Kelly Graham

Business insurance coverage options

Protect your business now and in the future with tailored coverage that meets your company’s ever-evolving needs. Your coverage options include:

• Business Owners Policy (BOP): A BOP is a customizable policy to meet the unique needs of your business.It bundles two essential coverages—general liability and property insurance—to protect your business from unexpected risks.
• Artisan and Service Contractors: Our contractors’ policies are built for professionals which include electricians, plumbers, interior decorators, and more. We value your craftsmanship and offer tailored property and liability coverage to meet your needs and protect your business.
• Commercial Auto: If your business owns, leases, or rents vehicles, our commercial auto policy can protect your business when there is an accident involving you or an employee. Coverage is available for many vehicle types which include cars, trucks, vans, pickups, farm vehicles, and more. We also offer coverage for an employee who is using their personal vehicle for your business.
• Workers’ Compensation: A workers' compensation policy protects your business against work-related injuries or illnesses. It may also pay for medical treatment, temporary and permanent disability, and death benefits. Requirements for workers’ comp vary by state.
• Commercial Liability Umbrella Policy (CLUP): CLUP insurance provides extra coverage in scenarios where a liability claim exceeds the limits of your existing policy. It also offers you the flexibility to up your liability protection over multiple policies at once.
• Farm & Ranch: We recognize the unique needs of farmers and ranchers. No matter the size of the operation, whether you own or rent, or raise crops or livestock, our policies may be tailored to help meet your unique insurance needs.
• Surety Bonds and Fidelity Bonds: You may be obligated to provide a bond as part of a business license or contract requirement. Being bonded may also help you attract new business. Potential clients might take comfort in knowing they will be protected by a Surety Bond and you can protect your business with a Fidelity Bond.