Commercial Insurance
Protecting Your Business Is Our Business
Commercial insurance is specifically designed to protect not only the business itself but its owners and employees as well. Our insurance coverage will protect you and your business from potential losses that could be caused by theft, liability, or property damage. At Guåhan Insurance Brokers, we understand that each business is unique and requires its own unique policy. For example, a small local coffee shop is going to have completely different needs than a large trucking organization. Our team of insurance professionals will work with you to provide a range of insurance products designed to protect your unique business.
Commercial Automobile
If your business uses company cars or trucks, or your employees use their personal vehicle to perform work duties, you may be held liable for any accidents caused. We offer commercial automobile coverage to keep your business protected if an accident were to occur. Our coverage can protect you against collision damage cost, medical payments, bodily injury liability, and property damage liability.
Commercial Crime
As a business owner, you may need to make sure that your company is protected from any dishonest acts by your employees. Commercial crime insurance is designed to protect your business from any losses caused by third-party fraud or dishonesty. This includes theft, forgery, or fraud. Crime insurance is particularly important for businesses who deal with cash, checks, credit cards, and online payments. Meet with one of our insurance professionals today to see if your business should be protected with commercial crime insurance.
Commercial General Liability
General liability insurance gives your business the protection it needs in the event of bodily injury, property damage, or personal and advertising injury. Our coverage generally includes coverage for property or bodily injury, medical payments, defense costs, and personal and advertising injury. Our general liability insurance is the perfect choice to protect your business from accidents and incidents that can occur during business hours.
Commercial Property
For many businesses, the facilities are just as important as the business and employees themselves. We know that you’ve worked hard to build up your business and its contents. Our commercial property insurance protects not only your building, but your tools, inventory, and furniture in the case of a loss. Our policies will pay to repair or replace your business property if it’s damaged, destroyed, or even stolen. Call our offices today to meet with an insurance professional and make sure your property is covered.
Commercial Inland Marine
If your business is involved in shipping or transport, you will want to consider inland marine insurance. In short, it is a type of insurance for property in transit. If your property is lost or damaged while being transported, inland marine insurance covers you and your business so you don’t have to pay out of pocket to repair or replace the missing or damaged goods. It’s also a good idea to have inland marine insurance if you’re involved in storing another party’s equipment.
Commercial Umbrella
Umbrella policies are meant to provide companies with more coverage in addition to their existing policy. If the cost of a claim exceeds the limit of your primary insurance policy, umbrella insurance is meant to extend your business’s liability coverage to add an extra layer of protection. Without an umbrella policy, you would have to pay those extra legal fees or medical bills out of pocket. However, it is important to know that your umbrella insurance policy can only cover certain areas: general liability, employer’s liability, and hired and non-owned auto liability. Additionally, an umbrella policy can only be used if you are already reached the limits of your primary insurance policy. Meet with one of our experience insurance professionals to determine if your business could benefit from an umbrella insurance policy.