Business Insurance in The Treasure Valley Idaho (and Oregon!)
Loss Control Programs
With our insurance company partners we can evaluate your business’s current conditions and recommend ways to lower property, auto, workers’ compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.
Quick Claim Response
When you do have a claim, you need fast, fair service. As independent agents we work to make that happen. That’s why we only represent companies with excellent records for settling claims fairly and promptly.
Many of the insurance companies we represent specialize in insuring specific types of businesses or industries offering special coverage and pricing. To see if your business qualifies for one of these special programs, contact our team for more information.
Your business is faced with several liability hazards everyday. Commercial liability coverage is going to cover claims in four basic areas of business liability, these are: Bodily Injury, Property Damage, Personal Injury, and Advertising Injury.
Commercial property insurance will provide coverage for your buildings, business personal property, and personal property of others.
Business auto insurance will cover any auto that is owned, leased, hired or borrowed by your business and pays damages for bodily injury or property damage for which you are legally responsible due to an auto accident.
Workers Compensation pays for occupational injuries or disease regardless of fault.
Employer Practices Liability
Employer Practices Liability insurance covers your business against claims by workers that their legal rights as employees of the company have been violated.
Professional liability also know as Errors & Omissions will protect you against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services. This coverage is excluded in a commercial general liability policy.
Directors & Officers Liability
Directors & Officers Liability (D&O) insurance insures against the risk of personal legal action against directors & officers of a company, by shareholders, creditors, competitors and employees for acts of negligence, acts outside their authority, or breach of trust or duty.
Group health insurance contracts usually offer coverage for major medical expenses, hospital expense, and accidental death and dismemberment.
Surety bonds are issued by an entity on behalf of a second party, guaranteeing that the second party will fulfill an obligation or series of obligations to a third party. The surety company assumes liability for nonperformance.
Fidelity bonds will protect your business against financial loss from dishonest acts by employees or persons entrusted by your company due to dishonest or negligent action.