Commercial Property and Casualty Insurance

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Today, many business owners view their workers' compensation and property and casualty policies simply as a line item on their balance sheet - and their understanding of the coverage and the mechanics behind each line of coverage is limited. In today's business climate, the likelihood of a business owner having to rely on his/her business insurance is ever increasing. Hantz Commercial Insurance Agency (HCIA) will help you design a policy that appropriately covers your business while keeping your costs down.

Regardless of the size of your business, having the right coverage will protect you, your employees, and your customers. Each line of coverage will provide specific protection, and each line should be addressed individually. Here are some of the most common:

• Workers' Compensation protects both an injured employee and the business owner from legal claims arising from litigation filed by an employee. It is required by the state, and most businesses must carry workers' compensation insurance.
• Business Auto insurance is designed to protect you from liability arising from bodily-injury or property-damage claims, and it also protects against the total loss of a business asset. As a business owner, you should coordinate your personal and business auto policies to ensure that your coverage is optimal.
• General Liability insurance protects a business from many types of exposures, including liability resulting from defective products, slip and fall, contractual disputes, and operations completed by your company.
• Business Property insurance covers your property and the property of others. This type of policy can protect your business from losses sustained while the business is not functioning, and it helps you retain key employees during shutdowns.
• Business Umbrella policies add an extra layer of protection on top of other policies. Umbrella policies are a relatively simple form of insurance, but they are very important in today's litigious climate.

Many other policy types - such as Errors and Omissions, Employment Practices Liability, Directors, Officers, and Fiduciary Insurance - may or may not be needed; a proper insurance assessment can help determine if your business requires such coverage.

Your company's insurance needs will change over time. We can help you review and update your coverage to match your ever-changing needs so you can focus on growing your business.

For a free consultation with a specialist, please provide us with the following information:

Please note that Hantz Group, Inc. is the parent corporation to a number of wholly or partially owned subsidiary companies, including but not limited to Hantz Financial Services, Inc. (a broker-dealer/mortgage broker), Hantz Tax & Business, LLC (an accounting and tax preparation company), Hantz Agency, LLC (an insurance agency), Hantz Commercial Insurance Agency, LLC (specializing in insurance for businesses), PLUS Agency, LLC (an impaired insurance agency), Hantz Benefit Services, LLC (an employee benefits agency), Hantz Lending, LLC (a mortgage broker), Hantz Software, LLC (a computer software company); Hantz Technology, LLC (a computer technology company), Hantz Group Sports & Entertainment, LLC (sports and entertainment), Hantz Group Racing, LLC (stock car racing), Hantz Soccer USA, LLC (indoor soccer), Hantz Farms, LLC, (an urban farming company), DiLaura Brothers, LLC (a bowling distributorship), Bowling IQ, LLC (a bowling training center), Hantz & DiLaura Properties, LLC (owners of a bowling property); United Beverage Group, LLC (a beverage company), Hantz Air, LLC (a charter aircraft company), Hantz, Rhoades & Doehrer, LLC (an accounting firm), Hantz Titus Urbanski, LLC ( an accounting firm), Hantz Ewald, LLC (an accounting firm), Hantz Real Estate Ventures, LLC (a real estate holding company), 1540 South Holland Sylvania, LLC (a real estate holding company), Hantz Golf, LLC, Hantz Golf Club of Tecumseh, LLC.