Business Insurance Overview

If you are a business owner, you probably have a lot depending on you.

So, go ahead and depend on us for your business insurance. Having the correct business insurance can mean the difference between your company surviving an insurance loss or having to cut operations or even close.

We are experts in business insurance and can help make sure your business can weather any type of insurance loss that may come along.

Business insurance is highly customizable based on your operations, your sales, your products and your employees.

You may have a simple at home consulting business and need only some coverage for your property and liability. Or you may have a manufacturing operation and need coverage for products, employees and delivery vehicles.

Whatever business you’re in, we can help insure it. Here are some of the types of commercial insurance we offer:

General liability business insurance: This is insurance that covers your business if you are sued for someone else’s injuries. An example of this may be a customer slip and fall accident on your property.

Professional liability business insurance: Professional liability business insurance protects your business from loss due to negligence and wrongful acts. This coverage is a must if you are in the business of giving advice such as a lawyer, banker or financial advisor.

Product liability insurance: Product liability insurance protects you if your product is found to cause damage such as illness, injury or death.

Property insurance: Property business insurance is self-explanatory. It will cover all your business property from damage by a covered loss. This could be fire, storm or theft.

Commercial auto insurance: Commercial auto coverage protects you, your drivers and your business vehicles. A commercial auto policy works much the same way your personal auto insurance does with liability coverage and physical damage coverage for the business vehicles. For example, a general contractor might have a fleet of vehicles that needs coverage.

Workers compensation: Workers compensation coverage covers medical expenses and lost wages of your employees if they become ill or injured while on the job.

Loss of income: Loss of income is also known as business interruption insurance. This coverage provides for expenses and lost profits if you can’t operate your business due to a covered loss.

Employment Practices Liability (EPLI): Employment Practices Liability Insurance (EPLI) protects an employer from lawsuits stemming from wrongful termination, discrimination, sexual harassment or other employment related misconduct.

Cyber and Data Breach Insurance: Cyber and data breach insurance is customizable based on operations. The coverage protects business owners from property or liability damages if there is a data security breach. This is a must have coverage for business that collects customer personal information data.

Crime / Employee Dishonesty Insurance: This coverage protects employers from theft by employees of money, securities or property.

Inland Marine Insurance: Inland marine insurance is a type of property coverage that protects commercial property in transit over land. This is a common policy for construction companies and other businesses that transport equipment.

Ordinance or Law Coverage: An important coverage for commercial building owners that protects the policyholder from the increased cost of construction due to complying with updated building ordinances or laws required for repair and rebuilding.

Still confused about Business Insurance?

Business insurance is complex, it doesn’t matter if you are a landlord that owns rental properties, you run a winery, or if you own a roofing company. Let us use our expertise to find you just the right coverage for your needs, so you can go ahead and get back to business. We specialize in a wide variety of business types, including HOA & Condo associations, tow truck businesses, cell towers, apartments, funeral homes, tree trimmers, restaurants, warehouses, heavy equipment, attorneys, general contractors, golf courses, real estate E&O, non-profits, landscaping, food trucks, rental properties, daycare businesses, car washes, and many more. Reach out to our team for more details!

Balsiger Insurance is known throughout the industry as a leader in commercial insurance. We have offices in Las Vegas and Reno, Nevada, Corpus Christi, Texas, and Pasadena, California. To learn more about business insurance in the our office locations, contact us at 1-866-872-0156.