General Liability

General Liability insurance protects your business from financial loss resulting from claims of accidents or injuries that occur on company property, or from the use of goods and services sold by your company. General Liability insurance, in addition to other related policies, can protect your company if you are sued for personal injury, employment related issues or property damage. Let us find a General Liability policy that fits your budget and your company

 

Commercial Bonds

Commercial surety bonds are used as a promise to pay one party a certain amount if a second party fails to meet an obligation, i.e. fulfilling the terms of a contract. The surety bond protects a client (obligee) against losses resulting from a business’ (principle) failure to meet their obligations. Commercial bonds are generally required by state laws.

We have the expertise and broad market representation to help you find the commercial surety bonds you need to do business, support growth and expand your bonding capacity.

Examples of the types of commercial bonds we provide:

• Contract Bonds

• Professional Service Bonds

• Payment and Performance Bonds

• License and Permit Bonds

• Fidelity Bonds

• Judicial and Court Bonds

Commercial Property

No business owner wants to deal with the lost time and money that goes along with damaged or stolen property. Commercial Property insurance helps you repair or replace buildings and other property damaged or destroyed by storms, fire or other events outlined in your policy. Each company is different and we can find a policy that fits the needs of your business.

Examples of the types of Commercial Property coverage we provide:

• Buildings and Structures

• Furniture and Equipment

• Inventory and Records

• Computers and Technology

• Property Improvements

• Glass & Fine Art

• Outdoor Fences and Walls

• Commercial Auto

Cyber Liability

Companies depend on Cyber Liability insurance to protect them in their online communications and business conducted on the Internet. If your business uses e-commerce or stores sensitive/confidential information on servers, you should consider Cyber Liability insurance. We will work with you to determine your Internet risks and help you find a policy that is right for your company type and size.

Examples of types of Cyber Liability coverage we provide:

• Website and Internet Coverage

• Networking and Servers

• Technology Products and Services

• Copyright and Trademark Protection

• Software Failure and Data Corruption

• Errors & Omissions

Directors & Officers (D&O) Liability

Directors and Officers often make big decisions, and if not properly insured they may be taking big risks. Directors and Officers (D&O) Liability Insurance protects Director’s and Officer’s personal assets against claims of mismanagement made by investors, customers or employees. High-quality D&O insurance is needed to attract the best qualified Directors and Officers to your company.

Employment Practices

Employment Practices Liability (EPL) Insurance protects organizations against employee claims of wrongful termination, discrimination or sexual harassment. It may also cover breach of contract as well as wage and hour violations. This type of policy may be standalone or part of a broader coverage plan.

Marine

Your company needs Inland Marine coverage if you need protection that is not necessarily confined to a specific location, and cannot be insured with a standard policy. Inland Marine insurance protects certain moving or movable property (over land), property under construction, and property used for transportation or communication (roads, bridges, radio towers, etc).

When reviewing your insurance needs, we can help you determine if you need Inland Marine coverage for any aspect of your business.

Professional Liability

A Professional Liability policy, also called an Errors and Omissions (E&O) policy, protects businesses and employees against liability resulting from errors and omissions related to professional services. While general liability policies typically cover bodily injury, property damage and personal losses, Professional Liability coverage can protect you from claims due to improper advice, failure to provide adequate services or breach of duty.

Examples of typical Industries requiring Professional Liability Insurance:

• Accountants and Auditors

• Advertising and Public Relations

• Law Firms and Attorneys

• Architects & Engineers

• Business Consultants

• Human Resources

• Marketing Firms

• Physicians and Medical Groups

• Financial Institutions and Investment Advisors

Workers’ Compensation

Employees want to feel safe at work, and company owners want to keep them safe. The state provides Workers’ Compensation programs to provide for lost wages or needed medical care arising from job related injuries, accidents or occupationally related medical conditions. Having Workers’ Compensation Insurance can also protect your company from monetary losses that often accompany these types of claims. Every industry has its own set of risks. Let us sit down with you and find the coverage you need to keep your workers safe and your costs manageable.

Commercial Auto

If your business uses vehicles as a part of its daily operations, safeguarding your business with an auto insurance policy is a must. A commercial auto insurance policy will provide security if you, or one of your employees are involved in a serious auto accident and covers any damages to the vehicles involved.

Much like your personal auto policy, commercial auto comes with a variety of coverage's, from liability, physical damage coverage, hired and non-owned auto physical damage, to roadside assistance and lease or loan gap coverage. Southwestern Illinois Agency can help with coverage options that reduce risk and improve operations. To learn more about how a Missouri commercial auto insurance policy can be part of a solid protection program, stop by our office, give us a call, or complete our quote request form. We look forward to working with you.

 

Hired and non-owned auto insurance helps cover:

 

• Physical damage to another person’s car

• Bodily injuries and medical expenses if someone else gets hurt in an accident

• Legal expenses if your business gets sued for negligence

Be aware that hired and non-owned auto insurance is a type of liability insurance but it doesn’t provide coverage for the policyholder. This means it won’t help with:

 

• Property damage to your business’ hired or non-owned vehicle.

• Medical bills if you or your employee get hurt in an accident while using rented or personal vehicles.

• Liability coverage, damages or bodily injury from an accident while you or your employee drive for personal reasons that are not related to your business.

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