If you are wondering “What is the right insurance for my business?” wonder no more.
As a leading business insurance broker and advisor, we can help you with all the property and casualty (P&C) insurance policies your business needs. With our comprehensive commercial property and casualty insurance solutions, you can rest assured that your business is protected in the events of physical commercial property loss and liability claims. We work with the leading insurance carriers to secure the most cost-effective property and casualty insurance coverage for your business of any size.
Commercial Property Insurance
At PSA, we work to understand our clients’ unique needs, exposures and loss profile, and can provide coverage to protect your business property, including buildings, equipment, inventory and more. Our relationships with over 30 carriers allow us to create customized insurance programs that provide extraordinary protection at an affordable cost. We’ll ensure you have a commercial property insurance policy that will help you replace, repair or restore damaged buildings and equipment as quickly as possible in the event of a loss—and cover the losses suffered while your business is unable to operate.
Business Interruption Insurance
If you experience an unfortunate event, such as a fire or natural disaster, and are forced to relocate or even close, Business Interruption insurance, also known as Business Income insurance, will replace business lost and protect you from loss of income. Coverage includes:
- Net profits that you would have made during the time period your business is unusable
- Costs and expenses incurred while your business is unusable
- Costs incurred if your company must move to a temporary location
Our team will work to uncover unique exposures to identify specific “what if” scenarios specific to your organization—so if you fall victim to an event outside your control where income is lost, your fixed expenses will be covered, and you can keep your doors open.
Commercial Auto Insurance
Whether your business fleet consists of a single vehicle or dozens of cars, trucks and vans, we’ll find the business auto insurance that will keep you and your employees on the road—and your costs under control. We’ll work to craft a commercial auto insurance policy for your business that can cover more than just your fleet, as your policy can include coverage for employee-owned vehicles and rental cars, auto liability, uninsured motorist coverage, comprehensive coverage and collision coverage.
Commercial Liability Insurance
Even the most reputable businesses are at risk of a lawsuit. Business liability insurance protects the assets of your business when facing a lawsuit and serves as the first line of defense against many common claims. A properly selected commercial liability insurance policy will help allow your business to continue operating in the event you face real or fraudulent claims of certain types of negligence or wrongdoing.
Covered liability claims include bodily injury, property damage, personal and advertising injury, medical payments and other exposures.
Our specialists dig deeper at your place of business, to identify potential risks and exposures. We will build a business liability insurance program that protects you and your employees, ensures your risk is classified properly, safeguards your reputation, controls loss and lowers costs.
Workers’ Compensation Insurance
Even at the safest workplaces with the most vigilant staff, accidents happen. In the event that your employees are injured on the job, Workers’ Compensation insurance provides medical benefits, income benefits, death benefits and rehabilitation benefits. Accidental injuries, death resulting from the accident as well as occupational diseases unique to the occupation are covered. Our team will work to ensure you and your employees are protected in case an accident does occur on the job.
Employee Dishonesty Prevention Guide
As a business owner, you could be vulnerable to employee dishonesty and may not have the right anti-theft controls. What can you do to reduce your risk?