InsuringAmerica is a leading provider of commercial insurance, property/casualty insurance, risk management services, and specialty business insurance. Whatever your business or coverage needs, our Agency will find the right policy at the right price to meet them.
Businesses · Commercial Property · Contractors · Community Association Management · Cyber Risk · Liability · Event Insurance · Automobile Repair Garages, Body Shops, & Used Car Dealerships ·Workers Compensation ·
COMMERCIAL GENERAL LIABILITY – insures a business against accidents and injury that might happen on or away from its premises. It also insures against certain exposures that are part of its normal business operations. These exposures might include bodily injury or property damage to a third-party, medical expenses from an incident, lawsuits, investigations and settlements, and for any bonds or judgments required during an appeal.
Automotive Industry – These businesses present many unique exposures, our agency has a vast amount of automotive insurance experience in the automotive industry. We can design policies that are specific to your business needs. InsuringAmerica provides insurance, risk management and employee benefits for hundreds of automotive-related accounts, including auto repair, garages, body shops, tow trucks and auto dealerships. Our strong relationships with a diverse group of national, regional, and niche insurance carriers enable us to negotiate the best terms and coverage for our clients.
Errors and Omissions – Miscellaneous Professional Liability (MPL) covers errors and omissions for a variety of professional service providers. MPL provides coverage for negligence in the performance of services where a reasonable standard of care is expected.
Management liability coverage for Community Homeowner Association – Community Association Management Liability insurance protects you as well as your association from damages (awards and settlements) and the defense costs resulting from wrongful act allegations and lawsuits.
Commercial Auto – Reliable Commercial Auto Insurance is a must for your business vehicles. InsuringAmerica provides comprehensive commercial auto insurance with a wide variety of coverages and broad acceptability of vehicles and drivers.
Contractors – Most contractors face a combination of exposures to loss: General liability, workers compensation, auto liability & physical damage, equipment floaters, bonding and more. InsuringAmerica can provide comprehensive coverage at reasonable rates.
Cyber Risk – Available for organizations of all sizes, from small businesses to Fortune 500 companies, including nonprofit organizations. Offered as a standalone policy or as part of a comprehensive suite of other management liability coverages, CyberRisk provides a combination of coverage options to help protect your business.
Sole proprietorship – In the case of sole proprietorship, liability coverage is important because your personal assets can be seized in the event you lose a lawsuit. While Corporations and Limited Liability Partnerships provide significant protection against personal asset loss in the event of a suit, as a sole proprietor, you have no such protection.(For example, if a customer slips and falls inside your store and successfully sues you because the floor was wet and there was no caution sign displayed, you will be held liable. You can be ordered to not only sell off the business to pay out the judgment, but if needed, you can also be ordered to sell your house, car and other personal belongings to satisfy the judgment.)
SPECIAL EVENT INSURANCE – If you are having a public event, whether a wedding and reception or festival, you need the protection of special event insurance. Our Event Liability Insurance is designed to protect the policyholder against lawsuits, claims made related to bodily injury of others, and property damage to the rented premise. We provide Special Event Liability Insurance through our Commercial General Liability (CGL) policy, often called Spectator or Public Liability Insurance, which satisfies the requirements of most rental locations.
Worker’s Compensation Insurance – Workers’ compensation insurance covers injuries and occupational diseases that occur at the workplace. Employers are liable even if the employee may have contributed to the injury or illness. Contact InsuringAmerica to learn how we can design a Workers Compensation Insurance program for your business.