The category of artisan contractors, also known as casual contractors, includes many occupations that involve skilled work with tools at the customer’s premises. Carpenters, plumbers, electricians, roofers and tree surgeons are some of them. Also included are diverse other skilled service providers, such as interior decorators, piano tuners and exterminators.
Special insurance needs of this group include coverage for equipment and tools that are often moved around and for the value of work done for a customer until it is finished.
For many artisan contractors, the most cost effective and efficient way to obtain property and liability coverage is with a Businessowners Policy (BOP) especially tailored to their needs. Although marketed under a variety of names, these policies will typically have provisions similar to the BOP's.
PROPERTY INSURANCE
The BOP covers real estate and other property that your business owns that is located at the described business premises. If your business rents or leases its premises, the BOP provides coverage for tenants' improvements and betterments. These are fixtures, alterations, installations or additions that you have put into the space that cannot legally be removed from the landlord’s premises.
Your biggest personal property loss exposures, however, may involve valuable machinery and equipment that moves around from job to job and is not covered by the standard property insurance. Such movable property is insured by contracts that insurers call "floaters."
An installer’s floater covers all kinds of machinery and equipment during transit, installation and testing at a customer’s premises. Even building materials may be covered, but the more usual coverage is for equipment or machinery that only contractors install, such as heating or air conditioning. The policy can be written to cover a single job or on a reporting form, meaning that you provide the insurer with information about each new contract you undertake.
A tools and equipment floater covers the insured property wherever it is used and may include such items as hand tools, power drills, hoisting machines and power pumps.
LIABILITY INSURANCE
Given the possibility of a lawsuit should someone claim to have been harmed by your work, you will almost certainly need liability insurance.
If working as a subcontractor, your customer may require you to have Owners and Contractors Protective Liability (OCP) coverage. This protects either a property/businessowner or a general contractor from possible liability arising from the negligent acts of an independent contractor or subcontractor hired to perform work on behalf of the insured. The actual purchaser of the policy is the independent contractor or subcontractor, but the protection is for the benefit of the property/businessowner or general contractor for whom the work is being done.
BUSINESS VEHICLE INSURANCE
Your personal auto policy probably provides coverage for some business use of your truck, van or other vehicle. A personal auto policy is unlikely to provide coverage, however, if the vehicle in question is used primarily in business. It will not provide coverage for any vehicle owned by a business. For those vehicles you must have a business auto policy.
If you’re driving a truck you own personally for a business purpose and get into an accident for which you are liable, an injured person could sue you personally. Will your personal auto policy have enough coverage to pay all the damages? If not, a lawsuit may be filed against your business. If you use personal vehicles for business, you want to be sure you have high enough limits to protect your business. You should discuss this with your insurance agent.
WORKERS COMPENSATION INSURANCE
States have varying rules about when an employer must provide workers compensation insurance. If you have three or more employees, you should check with your state department of workers compensation to see if you are required to provide workers comp insurance.
Let Commercial Insurance Agency 770-537-3306 help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Artisan Contractor coverage.
As a garage and auto body & repair shop owner, you require a specific insurance program that can effectively address the unique risks your business faces on a daily basis. At Commercial Insurance Agency 770-537-3306 we understand how important securing the best possible coverageBremen, GA. Auto Body & Repair Shop Insurance is – that’s why we are proud to offer a comprehensive insurance program through one of our many carriers.
Here at Commercial Insurance Agency 770-537-3306 we match you up with a specially trained agent who is educated to pinpoint your garage’s potential risk exposures. We then work with you directly to custom-build the perfect garage insurance or auto repair shop insurance policy that meets your distinct needs.
Common coverages that you can expect from your garage insurance or auto repair shop insurance program may include:
Let the Commercial Insurance Agency 770-537-3306 help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Garage & Body and Repair Shop Insurance policy holders.
Do you need insurance to cover your dealership? Commercial Insurance Agency 770-537-3306 can develop packages for any size auto dealership – even wholesalers without lots. New or Used Car Dealer insurance.
Here are some of the services we can offer:
We work with start-up dealerships as well as established car dealers. As a start-up there are several important items you need before you begin selling cars – tag insurance, an MVA Bond, etc.. We can help make sure you are covered with all of this before you get started.
We offer Easy Payment Plans on all our services. Call us at 770-537-3306 and see how much money we can save you!
Let the Commercial Insurance Agency 770-537-3306, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Auto Dealer Insurance policy holders.
Nothing brings back fond memories like walking into your favorite bakery. But even though it might smell like Grandma’s kitchen, a modern bakery is actually big business. Granny probably never gave a thought to having insurance to feed the neighborhood kids their favorite cookies.
General Liability
Included Coverages:
Deductible:
Property
Crime
Let the Commercial Insurance Agency 770-537-3306 help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Bakery Insurance policy holders.
Liquor liability insurance is business coverage that protects your business against loss or damages claimed as a result of a patron of your business becoming intoxicated and injuring himself or others. If your business manufactures, sells, serves or facilitates the use or purchase of alcohol, then your business will likely need this coverage. Liquor liability coverage may be sold as an add-on to a commercial liability policy or as a stand-alone policy. But, if you do not purchase this extra coverage, your standard commercial general liability policy does not protect your business against liquor-related claims.
WHY DO I NEED LIABILITY INSURANCE?
Good liability risk management can reduce the chances that your business will be sued, but it can never eliminate the risk entirely. You or a member of your organization can make a mistake that injures someone or damages property. Your mistake could harm the reputation or interfere with the privacy of a customer, client, competitor or member of the general public. When such injuries occur, you may be legally liable to pay damages to someone who suffers a loss due to your actions or inaction.
Depending on the degree of harm and the number of people injured and/or value of property damaged, a lawsuit could bankrupt your business. Even if your organization is ultimately cleared of any wrongdoing, a determined plaintiff can keep you tied up in legal proceedings for a long time, entailing significant cost to defend yourself. Liability insurance pays the cost of your defense and protects your assets.
HOW ARE LIABILITY AND DAMAGES DETERMINED?
Everyone in society has a duty to take reasonable care that his or her actions do not injure others. The same rule applies to business entities. Not repairing a pothole in a parking lot, not lighting a dark stairway, failing to train workers how to do their jobs safely and legally or failing to provide directions for the safe use of a product can constitute negligence if a client, customer or member of the general public is injured as a result. The legal meaning of negligence is failure to exercise reasonable care.
If the parties do not agree to settle a liability lawsuit, there may be a trial. Or, the parties may agree to use some alternative means of dispute resolution, such as arbitration, and be bound by the arbitrator’s ruling.
The law of the state where the lawsuit is filed sets the rules for the determination of liability and damages. The amount of damages imposed in any particular case is, of course, in part a function of the economic losses the plaintiff can prove he or she has endured due to the defendant’s negligence. In some states plaintiffs may also be awarded damages for
Let Commercial Insurance Agency 770-537-3306 help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Bar & Tavern coverage.
Salon owners typically need commercial liability insurance to ensure safety of customers and for the building and business. Groom your salon business with this program for beauty/barber shops with owner as operator, operators as employees or operators as independent contractors. Coverage is also available for individual operators, masseuses, manicurists, ear piercing, makeovers and facials.
General Liability
Included Coverages:
Deductible:
Property
Crime
Let Commercial Insurance Agency 770-537-3306 help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Beauty or Barber Shop Insurance.
Rest easy with our coverage for residential homes operated as bed and breakfast establishments or country inns. you could worry about expensive claims as a result of an employee or member of the pubic being injured within your premises. Risk can be associated within many areas of your bed and breakfast establishment so by having a personalised and comprehensive business insurance policy will protect your business and you from financial loss.
General Liability
Included Coverages:
Deductible:
Property
Crime
Let Commercial Insurance Agency 770-537-3306 help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Bed & Breakfast / Airbnb insurance.
Insure your business with this program that caters to those who provide food service for events, such as weddings, parties and meetings.
General Liability
Deductible:
Property
Crime
Let the Commercial Insurance Agency 770-537-3306, Inc. help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Bremen, GA. Catering Insurance policy holders
What is Business Property Insurance?
Below are just a few of the important ways business property coverage can help you in the event of a loss. (Some coverages may not be available on all policies or in all states)
Business Income
Reimburses you for your actual loss of earnings from12 months to 18 months resulting from a covered loss to your property. Also covers extraordinary expenses you incur in order to continue operations after a covered claim.
Computers & Media
Provides coverage for your computers, peripheral devices and media. Coverage is also provided for the costs to research, replace or repair lost or damaged data and software as a result of covered damage to computer equipment, certain power failures, or a computer virus. Business Income Coverage, if purchased, also applies to computer equipment, data and software.
Business Personal Property Insurance (Contents)
Provides coverage for furniture, fixtures, merchandise, materials and all other personal property owned by you and used in your business. Coverage is at replacement cost.
Property of Others
Protects you against loss or damage to the property of others that is in your possession at a job site or on your premises. This coverage would respond to claims for accidental damage to customer equipment in your care, custody or control.
Laptop
Up to $10,000 for laptop computers, PDAs and similar portable computer equipment anywhere in the world, including while in transit. (Not covered if checked as baggage)
Equipment Breakdown
Covers the cost to repair or replace equipment, such as computers, air conditioners, phone systems and steam boilers, following a loss or damage caused by mechanical breakdown or artificially generated electrical current.
Lock and Key Replacement
Pays for rekeying of locks, up to a specified limit, at your business premises following the theft of your keys by a burglar.
Money and Securities
Protects money and securities used in your business if they are stolen, destroyed or lost.
Note: This summary outlines in general terms the coverages afforded under some policies. Examine the policy carefully for any exclusions, limitations, or any other terms or conditions that may specifically affect coverage. The terms and conditions of the policy prevail.
Why do I need Business Property Insurance?
Even if you run a home-based business and have home insurance, you'll need to protect your business assets with separate contents and computer insurance; your home owner's policy probably will not cover business equipment.
Contents and computer insurance
Protects your business equipment from perils such as fire, storm damage or theft. To determine how much property or contents insurance you'll need, create an itemized list of your business' assets and their individual dollar values. Then decide which assets you actually want to insure and for what value.
In some cases, you may decide against insuring a particular asset, because it just doesn't warrant the cost of the premium. In other cases, the premium may be well worth paying.
Business property insurance coverage is typically packaged with additional coverages for property issued to you by a client that is temporarily in your custody and Business Interruption Insurance that pays for loss of earnings when operations are curtailed or suspended because of a covered property loss.
Let Commercial Insurance Agency 770-537-3306 help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Commercial Real Estate coverage.
If you have purchased a condo or co-op, the bank will require insurance to protect its investment in your home. You may, however, need more insurance to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building like the lobby.
You will need two separate policies to protect your investment:
1. Your own insurance policy.
This provides coverage for your personal possessions, structural improvements to your apartment and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy. You also get liability protection.
2. A "master policy" provided by the condo/co-op board.
This covers the common areas you share with others in your building like the roof, basement, elevator, boiler and walkways for both liability and physical damage.
To adequately insure your apartment, it is important to know which structural parts of your home are covered by the condo/co-op association and which are not. You can do this by reading your association’s bylaws and/or proprietary lease. If you have questions, talk to your condo association, insurance professional or family attorney. Sometimes the association is responsible for insuring the individual condo or co-op units, as they were originally built, including standard fixtures. The individual owner, in this case, is only responsible for alterations to the original structure of the apartment, like remodeling the kitchen or bathtub. Sometimes this includes not only improvements you make, but those made by previous owners. In other situations, the condo/co-op association is responsible only for insuring the bare walls, floor and ceiling. The owner must insure kitchen cabinets, built-in appliances, plumbing, wiring, bathroom fixtures etc.
Also ask your insurance professional about the following additional coverages:
1. Unit assessment
This reimburses you for your share of an assessment charged to all unit owners as a result of a covered loss. For instance, if there is a fire in the lobby, all the unit owners are charged the cost of repairing the loss.
2. Water back-up
This insures your property for damage by the back-up of sewers or drains. Water back-up may not always be included in a policy. Check to see that it is included.
3. Umbrella liability
This is an inexpensive way to get more liability protection and broader coverage than is included in a standard condo/co-op policy.
4. Flood or earthquake
If you live in an area prone to these disasters, you will need to purchase seperate flood and earthquake policies. Flood insurance is available through FEMA's National Flood Insurance Program. Both flood and earthquake insurance can be purchased through your insurance agent.
5. Floater or endorsement
If you own expensive jewelry, furs or collectibles, you might consider getting additional coverage since there is generally a $1,000 to $2,000 limit for theft of jewelry on a standard policy.
Let the Commercial Insurance Agency 770-537-3306, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our HOA & Condo Association Insurance policy holders.
Operating a church or house of worship is a complex undertaking. You provide your congregation with spiritual guidance, peace of mind, community, and at times even a place to feel safe and protected. For Expert Assistance, contact us today!
Property Coverage
Extra Property Coverage, can automatically include lightening, wind, fire and hail, as well as many non-standard items such as:
Other coverages available under the property coverage are:
General Liability Coverage
General Liability insurance covers the church's legal liability resulting from injuries to people or damage to their property.
Church Medical
Provides primary payments for injuries occurring on your premises, and for accidents resulting from church activities away from your premises.
Liability options available:
We also have the following medical coverages that are enhancements on policies under your general liability medical coverage:
Additional Products Available
Let Commercial Insurance Agency 770-537-3306 help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Church coverage.
Installers of burglar and fire alarms or central monitoring stations face many business challenges everyday – from growing competition and the need to stay current with the latest security technologies to delivering quality installation and service to their customers. Let us you help protect your alarm contracting business with our Alarm Contractors Insurance Program.
Your standard dwelling fire policy offers protection for your home and other permanent structures on your property for the following perils. A dwelling fire policy is similiar toa homeowners insurance policy. A person who owns a house and lives in that house would have a homeowners insurance policy on the residence. A person who owns a house, but, rents it out to someone else would have a dwelling fire policy on the residence. Dwelling fire policies are often slightly more expensive than a homeowners policy because there is a renter, not the owner, living in the home.
Additional Coverages
Actual Cash Value Coverage for Total Losses.
If the home or other structures are ever destroyed or damaged due to a covered loss, we will pay the Actual Cash Value for the loss.
Let the Commercial Insurance Agency 770-537-3306, help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering purchasing this insurance from us.
What an Apartment Owners Insurance Policy Typically Covers:
Building Coverage
Covers the building and structures at the described premises including garages, storage buildings, fences, retaining walls, swimming pools, both completed additions under construction and other appurtenant structures. Don't let the future of your Commercial Real Estate business be devastated by financial consequences from unforeseen events like fire, hail or other hazards. Business Property Insurance offers an excellent defense against unexpected occurrences.
Businesss Income (Loss of Rents)
Business income insurance is an important but often misunderstood coverage. It is designed to replace income lost as a result of an occurrence that is covered by the policy. It can also cover continuing expenses like payroll or extra expenses incurred during the restoration period.
Signage
Standard commercial property insurance policies typically do not come with this coverage and must be added by endorsement. It covers damage from wind, fire, theft and vandalism.
Furnishings & Equipment
You work hard to to be successful, protect your assets and all you've built. Whatever physical equipment you rely on to run your business needs to be protected against theft, vandalism, breakdowns, fire, and other issues. When it is damaged, you not only have the expense of fixing the equipment, but also the loss of income that occurs when the vital equipment was not operating. If your business rents space, your lease might require you to carry certain types of insurance coverage. However, just because the building owner carries all the necessary insurance on the building doesn't mean it will cover any of your equipment, furniture or other business property.
Property of Others
Protects you against loss or damage to the property of others that is in your possession or on your premises. This coverage would respond to claims for accidental damage to customer equipment in your care, custody or control. If you are involved in any type of business this coverage can be essential.
Equipment Breakdown
No matter the size or type of the rental property you own, your equipment and technology help keep your operation running. Without fully functioning equipment, how would your business fare financially? While standard property insurance protects you against external causes of loss, such as fire, losses resulting from equipment failure—such as a short circuit or power surge—may not be covered.
General Liability
Being sued is probably the last thing on your mind until it happens. Then it's all you can think about. At best it's a distraction, at worst it can threaten everyting you've worked so hard to build. Your business can be sued for almost any reason. Negligence, personal injury, libel, slander, errors and omissions, faulty products, advertising, misprints, etc.
Coming soon.
When You Really Want to Protect Everything
If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney's fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That's what a personal umbrella liability policy provides.
An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowners, renters, condo or auto policy. It will also cover you for things such as libel and slander.
Because the personal umbrella policy goes into effect after the underlying coverage is exhausted, there are certain limits that usually must be met in order to purchase this coverage. Most insurers will want you to have about $250,000 of liability insurance on your auto policy and $300,000 of liability insurance on your homeowners policy before selling you an umbrella liability policy for $1 million or higher of additional coverage.
Let the Commercial Insurance Agency 770-537-3306, help you understand and protect all of the risks you run and all of the perils your financial life faces. We will do this with a well thought out and executed business insurance policy designed just for our Personal Umbrella Insurance policy holders.
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