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We can provide business property insurance that protects your business from a minor incident to a major financial loss. Whether you own your building, lease your workspace or work at home, we will protect your business’ physical assets. When disaster strikes your business, Our commercial property insurance policies are the ones to have for superior coverage:
A fire could destroy your building and the contents inside
A burst water pipe could damage your documents, drawings or other valuable papers
A storm could damage your outdoor sign
That’s why business property insurance is one of the most important investments
ensuring the future of your business.
We even have you covered if you have commercial or rental building property to protect:
We understand that your business is unique and constantly changing. We can tailor our commercial property insurance policy to fit your needs.
Business insurance protects you and your business with coverage for claims related to allegations of negligent activities or failure to use reasonable care. When you buy insurance from us, you get exclusive access to the years of experience and expertise we have accumulated in the business insurance industry. You need business insurance specifically designed to address the risks associated with your type of business.
DIRECTORS & OFFICERS
Coverage when a director or officer of a company commits a negligent act or omission, or misstatement or misleading statement, and a successful libel suit is brought against the company as a result. Usually a large deductible is required. The policy provides coverage for directors' and officers' liability exposure if they are sued as individuals. Coverage is also provided for the costs of defense such as legal fees and other court costs.
GENERAL LIABILITY INSURANCE COVERAGE
We work with leading carriers to provide Commercial General Liability insurance and Workers Compensation insurance for your company. Contact us for infromation on our general liability insurance and property package policy that provides small business liability insurance as well as protection for your company's computers and other assets.
Product liability insurance protects the business from claims related to the manufacture or sale of products, food, medicines or other goods to the public. It covers the manufacturer's or seller's liability for losses or injuries to a buyer, user or bystander caused by a defect or malfunction of the product, and, in some instances, a defective design or a failure to warn. When it is part of a commercial general liability policy, the coverage is sometimes called products-completed operations insurance.
To understand the need for this coverage it is critical to understand the potential liability. JTG Insurance Agency has in depth knowledge regarding the potential for products liability claims. We understand what you need and are here to guide you through protecting your company should any of these claims arise.
PROFESSIONAL LIABILITY INSURANCE / E & O
Professional Liability insurance provides protection against claims that the policyholder becomes legally obligated to pay as a result of an error or omission in his professional work. Also known as Errors and Omissions insurance, this type of professional liability insurance is critical to your business. E&O insurance responds to claims of professional liability in the delivery of your technical services. Allow us to customize an errors and omissions insurance policy for you that is both affordable and effective.
Anyone who comes in contact with you or your employees can file a claim or lawsuit against you for many reasons, from funds needed for ongoing medical attention to unfulfilled promises stated in a business contract.
Business Liability insurance helps your business stand strong through challenging situations by covering the associated cost of legal defense and legal damages you are obligated to pay, up to the policy limits selected. Connect with one of our agents, who is an expert in working with business owners, and select from a wide range of options that fit your individual business insurance needs.
Commercial Liability insurance can help businesses mitigate potentially devastating lawsuits.
Our coverage examples include:
When it comes to liability, it may affect you financially on a personal level. If you own a sole proprietorship or partnership and don't have Business Liability insurance coverage and your business income can't cover the entire cost of a claim or lawsuit, the rest of the funds might have to come from your personal assets. In some situations, corporation owners can also fall victim to personal liability. Therefore, it pays to have liability insurance that's right for your business.
Workers’ compensation insurance provides coverage for an employee who has suffered an injury or illness resulting from job-related duties. Coverage includes medical and rehabilitation costs and lost wages for employees injured on the job.
Employers pay for this insurance, and shall not require the employee to contribute to the cost of compensation. Weekly cash benefits and medical care are paid by the employer's insurance carrier, as directed by the Workers' Compensation Board. The Workers' Compensation Board is a state agency that processes the claims. If Board intervention is necessary, it will determine whether or not that insurer will reimburse for cash benefits and/or medical care, and the amounts payable.
In a workers' compensation case, no one party is determined to be at fault. The amount that a claimant receives is not decreased by his/her carelessness, nor increased by an employer's fault. However, a worker loses his/her right to workers' compensation if the injury results solely from his or her intoxication from drugs or alcohol, or from the intent to injure him/herself or someone else.
PROTECT YOUR BUSINESS AND EMPLOYEES WITH WORKERS COMPENSATION INSURANCE
An accident can happen when you least expect it! Workers compensation insurance
will provide the protection you need for your business and your employees.
Just one injury can cause an employee to be out of work for months,
leading to serious financial hardship. As mentioned above,
fault does not matter when it comes to workplace injuries.
Therefore, you may be responsible for an employee injured
on the job even if the injury was due to their carelessness.
Workers compensation insurance can protect your business
from a lawsuit and your employees from loss of income.
Business Owners Policies are insurance policies that combine protection from all major property and liability risks in one package. A Business Owner Policy or BOP is an insurance package that assembles the basic coverages required by a business owner in one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.
A typical business owner policy includes: property insurance, business interruption insurance, crime insurance, vehicle coverage, liabilty insurance and flood insurance. Depending on additional risks a business owner might face, the business owner and the insurance company can make arrangememnts on additional components to be added to the original package.
JTG Insurance Agency understands that every business and industry is unique, which is why regardless of the size of your business, large or small, simple or complex, we have the expertise to identify the ways to properly insure the particular needs of your business. As business owners ourselves, we understand the special protection businesses need to prosper.
EXCLUSIONS & OPTIONAL COVERAGES
Business owner’s policies do not include the following types of insurance:
Many insurance companies offer businesses the option to customize a BOP based on specific coverage needs. Optional property endorsements that can be added to a BOP include coverage for certain crimes, spoilage of merchandise, computer equipment, mechanical breakdown, forgery and fidelity bond, but the coverage limits for these inclusions are typically low.
In addition to advising you on the right business insurance policies, we provide additional services, such as:
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