Business Insurance from Elmco. Our personnel are dedicated to providing prompt, local service with top companies at rates that fit within your budget. We work with employers to effectively control claims and maintain an affordable insurance program.
We welcome the opportunity to review your current insurance portfolio and make specific recommendations as to enhancing coverages at significant cost savings. There is no cost or obligation to have your insurance reviewed by all the major insurance companies.
We have an experienced team of commercial underwriters, producers, risk management and loss control personnel, workers compensation, and claims specialists to assist any size firm with the management of their corporate insurance program. Our clients turn to us to handle their coverages in the following areas:
• Manufacturers
• Wholesalers
• High Tech Firms
• Computer Consultants
• Software Design – Development
• All Construction Trades
• Printers
• Bars & Restaurants
• Financial Institutions
• Employment Practices Liability
• Retailers
• Property Owners
• National Accounts
• Group Life, Disability & Health
• Errors’ & Omissions (Professional Liabililty)
• Excess & Surplus Line (Difficult Property & Liability)
• Workers’ Compensation
Plus more…
A Quick Checklist of 9 Types of Insurance a Small Business Should Have
Every business, even if home-based, needs to have liability insurance. The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.General Liability Insurance
If you own your building or have business personal property, including office equipment, computers, inventory or tools you should consider purchasing a policy that will protect you if you have a fire, vandalism, theft, smoke damage etc. You may also want to consider business interruption/loss of earning insurance as part of the policy to protect your earnings if the business is unable to operate. Property Insurance
A business owner policy packages all required coverage a business owner would need. Often, BOP’s will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance .Business Owner's Policy (BOP)
Commercial auto insurance protects a company’s vehicles. You can protect vehicles that carry employees, products or equipment. With commercial auto insurance you can insure your work cars, SUVs, vans and trucks from damage and collisions. Commercial Auto Insurance
Worker’s compensation provides insurance to employees who are injured on the job. This type of insurance provides wage replacement and medical benefits to those who are injured while working. In exchange for these benefits, the employee gives up his rights to sue his employer for the incident.Worker's Compensation
This type of insurance is also known as Errors and Omissions Insurance. The policy provides defense and damages for failure to or improperly rendering professional services. Your general liability policy does not provide this protection, so it is important to understand the difference. Professional Liability Insurance
insurance protects the directors and officers of a company against their actions that affect the profitability or operations of the company. If a director or officer of your company, as a direct result of their actions on the job, finds him or herself in a legal situation, this type of insurance can cover costs or damages lost as a result of a lawsuit.Directors and Officers Insurance
If the business stores sensitive or non-public information about employees or clients on their computers, servers or in paper files they are responsible for protecting that information. If a breach occurs either electronically or from a paper file a Data Breach policy will provide protection against the loss.Data Breach
Homeowner’s insurance is one of the most important kinds of insurance you need. This type of insurance can protect against damage to the home and against damage to items inside the home. Additionally, this type of insurance may protect you from accidents that happen at home or may have occurred due to actions of your own. Homeowner’s insurance
These are intended to provide general information about business insurance. Call the experts at Elmco Insurance and get further details and a no-obligation quote.
Elmco also offers the following products for businesses:
- Commercial Package Policy – including coverage for property, marine, crime, general liability, auto and garage liability.
- Specialized Policies – property, crime general liability, commercial autos and garage liability.
- Worker’s Compensation policies.
- Umbrella policies.
- Dual Policy Discount – for businesses that place their workers compensation and property casualty coverages with Elmco Insurance.
- Agriculture Business Coverages.
- Specialized Coverage – for various type of businesses from our managed programs department.
- Looking for a special or hard to find policy?