COMMERCIAL INSURANCE

Unless you are in the business of manufacturing or selling cookie-cutters, you shouldn’t have a ‘cookie cutter’ insurance policy. The truth is every business is just as unique as its products and employees. Business insurance requires the same approach whether you are running a fortune 500 company or a small sole proprietorship. Each business & business owner deserves to have a detailed discussion about hazards and how to mitigate risk.

We are dedicated to providing this unique perspective and assistance to a very underserved Small to Medium business market. Specializing in helping businesses with less than 100 employees, we provide additional brokerage resources that most clients have gone without in the past, leaving them vulnerable to peril.

Review the resources below – don’t forget to use the search feature to the right. If there is a topic you have questions about and it hasn’t been addressed on our blog yet, give us a call or contact us via our contact form. We look forward to helping you strengthen your business!

The Heaton & Associates Advantage

Access to 50+ of Insurance Carriers … competitive rates and carriers to fit any risk.
Hands on Audit Approach … No more struggling on your own to figure out what carriers need to audit and blindly hoping they get it right.
Annual Renewal Quoting … we make sure you have the best policy & premium year after year.
Extensive Network of Professionals … have an issue not risk, insurance or HR related? We have an extensive network of partners to help.
Real People, No Call Centers … when you need us, we are here and ready to chat.

LIABILITY

General Liability

Most broad of liability coverage options. For many organizations, this is enough. As you specialize, so must your coverage.

Professional Liability

Specific to Professional services provided such as CPAs, Attorneys, Real Estate Agents, Engineers, Architects, etc.

Product Liability

Necessary for manufacturers and distributors sourcing internationally.

Cyber Liability

An increasingly important coverage. Insures against damages from data loss, including breaches, unintentional distribution of confidential data and cyber ransom.

PROPERTY

Business Personal Property

Covers all of the contents, goods, office supplies, furniture your business owns.

Business Real Property

If you own the building and location of your business, this is the insurance for real property.

Property of Others (in your care)

Depending on your industry this may or may not be a necessity for you.

Inland Marine

This covers property your company owns that is often off site, such as tools and equipment.

AUTO, EXCESS & SPECIALTY

Commercial Auto & Garage

Covers business fleets of 1 to 1,000; Auto Service & garages

Commercial Umbrella & Excess

Additional liability policies that either follow a single primary policy or cover multiple.

Specialty

Specialty coverages are available and can be tailored to fit any risk.

EMPLOYEE

Workers Compensation

Required by law in most states, optional in just a few. Covers medical and indemnity for employees injured on the job.

Employer Practices Liabiity

Insurance for issues stemming from employer practices; this risk is always explicitly excluded from other liability policies.

Employee Benefits

Health related insurances, disability, group life – coverages to take care of your employees.

ERISA & Others

Other less common employee centric coverages are also available, such as ERISA for acting as a fiduciary of employee investment accounts.