Due to many more lawsuits, workplace injuries, computer criminals, thefts and other mishaps it has never been as critical as now to shield your business insurance organization from the effects and costs of law suits.
Every business is different and there is no one solution fit all when it comes to business insurance but it is imperative that you know your choices to make informed decision when you are obtaining commercial insurance.
Business or general risks insurance is somewhat related to personal policy quoting. Some things to note when getting quotes for business insurance is that an insurance company will quote a business to only one agent and the same quote will not be issued to a different agent. That is why it is so important to work with an agent that has a wide variety of insurance companies that he or she works with so you can get the most!
And good news – we are associated with one of the biggest independent brokerage teams in the United States. We are a member of The Echooftech group which is licensed in 45 states of the country. This can go on and on about how we can help your business grow and expand, as well as the fact that WE have the ability to get you the service you require at the time of your choosing!
General Liability
But if your business does not involve property then the most suitable type of insurance policy is the General Liability policy.
Business Insurance
If your business requires a single car, or a Fleet of Vehicles, we provide coverage for owned, rented, leased, or borrowed cars hired and non-owned automobiles, comp and collision, glass coverage and so on.
Workers Compensation
A workers comp claim can be quite catastrophic to a business that has no coverage. Workers comp can be used in case of an injury or death that occurred at the workplace. Many insurance carriers also provide information on how to prevent work related incidences, assist with safety plans and most of which would be beneficial in reducing your premiums.
Commercial Umbrellas
Note that your Business policy or commercial auto policy might NOT cover the crucial risks related to your business adequately. However, to this you can attach another additional amount of cover within an umbrella policy at a cheaper price to give you even further security.
Errors and Omissions
Nobody is infallible; E&O is aider that shields you from claims of your negligence, acts of omission and commission. E&O will cover your legal defense costs and will cover damages when you are legally liable for your client’s loss or injury.
Liquor Liability Business Insurance
You can find yourself being taken to court for serving those who run bar and or restaurants then take to the roads, only to cause accidents. We can offer liquor liability that will prevent such incidents from putting you in a compromising position.
Bonds Business Insurance
Some of the different bonds we provide include Tax, Vehicle, Notary, Contracting and so many other bond coverage.
Individual & Family Plans
Covers many different aspects of individual and family health insurance is very important for your life. Rocky Mountain Insurance Group helps you determine, which of the options are actually yours. Below we take you through all the procedures of this big decision so that you can be assured of the right coverage.
Life & Disability Plans
Taking life or disability coverage tells you and the people who depend on you, that life is filled with surprises. There is the term life insurance, which is whole life insurance, and different durations for disability insurance which all and preserve your revenues in case of occurrences that had not been foreseen.
You’re best self will determine your best option: Our job is to guide you so you feel protected, empowered, and able to live your best life. You toil for yourself and your families – we strive to protect what you’ve built.
Special Event Policies
Whether it is a one day event like a conference, or a BBQ, festival and so on, we are able to give you a policy that can have liability for the one day or for many days.
Equipment Breakdown
If your business owns equipment, we can give you coverage for your broken down equipment so you can get back up and running.
Employment practices liability comprises defending managers, employers and companies against legal claims arising from employment-related activities such as discriminating employees on the basis of their race, sex for instance or sexually harassing them.
Whether you have employees or not, if they sue you we can offer employment practices legal expense coverage. EPLI coverage shields you from legal actions that arise from employee lawsuit brought due to Discrimination (age, sex, race, disability) harassment or wrongful dismissal.
Cyber Liability
Some of the situations where the entrepreneurs would benefit from the cyber liability insurance are when they work online; accept payment through credit card machine or when they store their customer’s data online. Hackings are common and a cyber policy will generally insure your business for a data breach for customers’ personal information including social security numbers, credit cards, driver’s license, and health information.
There are several businesses we specialize in helping are:
- Restaurants
- Contractors/Handyman
- Plumbers
- HVAC
- Auto Repair Facilities
- Builders Risks
- Landlord Risks
We want to help you get the best insurance services you need as business and individual in the Rocky Mountain territories. They have rich experience and professionalism; therefore, they effectively understand their clients’ needs and requirements.
Here are some typical claims covered under business insurance:
Loss of Revenue:
Informs income one would have been making given some records that was destructed by the disaster.
Fixed Costs:
The costs for operating expenses and other that are still being charged by property based on the historical costs.
Temporary Location:
Certain policies may include the additional costs for establishing and functioning in, a temporary business venue.
Employee Wages:
Wage costs of employees in the name of insurance.
Business Insurance Taxes:
Insurance for taxes that are still payable although the business operations are shut for some time.
Loan Payments Business Insurance:
Repayments are considered necessary and indefinite, thus business interruption insurance can accommodate this cost.
