Hantz Commercial Insurance Agency (HCIA) will help you design a cost efficient policy that appropriately covers your business.
In today's business climate, the likelihood of a business owner having to rely on their business insurance is ever increasing.
Each line of coverage will provide specific protection, and each line should be addressed individually.
Workers' Compensation protects both an injured employee and the business owner from legal claims arising from litigation filed by an employee as a result of an on the job injury. It is required by the state, and most businesses must carry workers' compensation insurance.
Business Auto insurance is designed to protect the business owner from liability arising from bodily-injury or property-damage claims, and it also protects against the total loss of a business asset.
General Liability insurance protects a business from many types of exposures, including liability resulting from defective products, slip and fall and contractual disputes.
Business Property insurance covers the business property and the property of others.
Business Umbrella policies add an extra layer of protection on top of other policies and 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.