Business Insurance. Row of downtown businesses

Commercial and Business Insurance

Every business or organization needs commercial insurance to protect against both liability losses and property damage. Here you will find a brief overview of our insurance products available to protect your business or organization. We specialize in offering the best business insurance policies to help you save money while staying fully protected! We’re able to quote rates against all the major business insurance companies so that we can find the best value for you to have the lowest cost, yet highest protection for you and your business.

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The Hamilton Agency offers the following Business Insurance Options:

Business Liability Insurance

This is often offered in a package with property insurance at very competitive rates. Business liability insurance is inexpensive, but the cost to defend a claim can be overwhelming and catastrophic. One benefit of carrying general liability insurance is that for covered claims, all damages, legal defense fees and settlement charges are paid by the insurance company up to the limits of the policy.

Business Property Insurance

Business property insurance protects your business property against loss such as fire, theft, hail, wind or other means. Every business has property that could become damaged or lost, so this form of insurance is one of the first things you should consider purchasing when starting a new company. Business property insurance is structured several ways. Property insurance will protect your furniture, computers, office equipment and other materials.

Business Owners Policy

Package insurance policies combine general liability and property insurance. When evaluating commercial business insurance, consider a package policy such as a Business Owner’s Policy (BOP). A BOP combines property and general liability insurance in a single business insurance policy.

Worker's Compensation Insurance

Workers Compensation Insurance provides medical and disability coverage for on the job injuries or work related illness. Workers Compensation is required by regulation in most states when you have W2 employees. In many states, principals such as owners, officers, and partners can exclude themselves from workers compensation.

Professional Liability / Errors and Omissions Insurance

Professional Liability or Errors and Omissions Insurance (E & O) covers crucial aspects of your business and your interactions with your clients. Professional Liability Insurance protects you against potentially catastrophic litigation involving professional negligence of failing to perform professional duties.

Commercial Automobile Insurance

Hired and non-owned automobile insurance is typically added as an endorsement on a general liability or business owner’s insurance policy. When there are no vehicles titled in the business name, this coverage will usually meet your client’s contract requirement. Hired auto coverage replaces the liability offered by auto rental agencies. However, it does not cover physical damage to the vehicle that is rented. You should still obtain physical damage coverage from the rental agency. Non owned coverage protects your business in the event your business is sued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business. The personal insurance maintained by you or your employee is primary and non owned will pick up if the drivers insurance was inadequate to pay the claim.

Employment Practices Liability Insurance

Employment Practices Liability Insurance or EPLI covers allegations of discrimination, wrongful termination and sexual harassment of employees. EPLI can also be bundled with Directors and Officers liability insurance or D & O, which protects against claims that allege misconduct by the officers of a company or organization against individuals or groups affected by the directors’ actions.

Commercial Umbrella Insurance

Commercial Umbrella Insurance also known as excess liability, provides coverage when the limits of liability insurance are exceeded. For instance, if a claim is settled for $1,750,000, but your general liability insurance policy has $1,000,000 coverage limits, the umbrella policy will pay the additional amount.