Commercial Insurance

Obtaining the proper insurance for your business is a necessary and sometimes overwhelming task for many business owners. Knowing what kind of coverages are needed for your particular operations and liability exposures along with how much protection to carry should be a joint discussion between you and our insurance professionals.

Every company is unique in the coverages they may need. We take the time to analyze your company’s risk exposures. We have the ability to provide loss control assessment through on-site inspections or over the phone interviews. Regardless of size, businesses need to be comfortable that the insurance protection they have in place is appropriate at the time of an accident or catastrophic event.

We represent a variety of companies to ensure that our licensed commercial insurance professional can establish the best desired coverages for the most competitive price for your business.

Commercial General Liability

This type of protection focuses on business liability exposures. These exposures include: premises, products, operations, personal injury, contractual liability and other types of liability. General Liability is the cornerstone from which a business builds its unique insurance solution. There are a broad scope of hazards that are covered by most General Liability policies, but there are more specialized policies to consider when a business delves into a wider breadth of operations. Specialized policies could include: Directors and Officers, Aviation, Errors and Omissions, Employment Practices…just to name a few.

Commercial Building and Personal Property

These coverages are designed to protect businesses’ real and personal property in the event of direct physical loss. The items included are buildings and structures used by the business in daily operations or held for rent, outdoor fixtures, machinery and equipment, and other items not previously classified that can be moved from the business location.

Business Owners Policy (BOP)/Package Insurance

BOP and Commercial Package Insurance policies are simply the bundling of Commercial General Liability, Commercial Building and Personal Property. Businesses that qualify for these policies may recognize a cost savings due to the combination of the coverages into one policy. BOP is designed for small to medium sized businesses and usually automatically include many value-added coverages. Commercial Package policies are more customizable and are intended for larger companies.

Your Heacock Business Insurance Advisor may also analyze and discuss various other necessary coverages. Commercial Umbrella, Cyber Liability and Equipment Floaters/Inland Marine.

Commercial Auto

Commercial Auto policies provide Bodily Injury and Property Liability protection for accidents caused by autos used in your business. You may have a fleet of vehicles traveling across the country. Or, you may own one auto in the business name. You may simply have employees or business owners running errands on behalf of your business in their own cars. We help cover your Commercial Auto Insurance exposures to protect your business (and sometimes personal) assets.