You worked hard to build your business. We work hard to protect it.
What You Should Know
The Vidal Insurance Agency is dedicated to helping our business clients minimize risk and maximize protection, while keeping their insurance costs as low as possible. We’ll take the time to learn about your business, identify exposures, and create a program to protect you, your employees and your business. We work with top insurance carriers whose commercial real estate and commercial auto fleet policies are among the best in the industry. Whether you need a basic Business Owners Policy or a customized insurance package, we can help.
Ask About Our Industry Specific Programs
- Security Industry
- Nonprofit Organizations
- Commercial Real Estate
- Contractors & Builders Risk
Types of Coverage
Commercial Insurance Policies & Coverage Options
The ability to recover quickly following a property loss can mean the difference between survival or extinction. Property insurance protects against the loss of business property caused by fire, theft, windstorm, hail, explosion, riot, aircraft, vandalism, malicious mischief and smoke.
This policy covers your legal responsibilities if someone experiences bodily injury while on your property or if property damage occurs. Whether someone slips in your parking lot or stubs their toe in your waiting room, you must be protected in the event of a lawsuit. Fortunately, commercial general liability coverage can shield you from the financial impact of these types of occurrences.
Employment Practices Liability
Labor laws designed to protect employees in the workplace have increased the number of claims by workers who say their legal rights as employees of the company have been violated. Even the smallest employee incident can cause big financial damage to your business. Employment Practices Liability insurance protects the corporation, as well as its directors, officers and employees from claims resulting from such things as wrongful termination, discrimination, sexual harassment, wrongful discipline, and failure to employ or promote.
Commercial Auto Insurance
Your company vehicles are the tools of your trade and a lifeline to your customers. But where there is benefit, there is also risk. You need protection from financial loss due to property damage related to your business autos. Coverage includes collision, fire, theft and other common perils. It also provides personal injury protection, rental reimbursement and protection for uninsured motorists. Having auto coverage assures that your business can stay on the road to prosperity.
Excess Liability (Umbrella)
An umbrella policy does exactly what it sounds like. It provides coverage above and beyond your underlying coverage and responds to extraneous circumstances not typically covered by standard liability, commercial general liability, and business automobile policies. The added protection of an umbrella policy is essential to filling gaps in coverage that may exist under your other policies.
Business Owners Policy
Whether you’re a new business or have been around for generations like us, a Business Owners Policy (BOP) is ideal for basic property and liability insurance. For claims sustained from covered perils, a Business Owners Policy will pay for the repair or replacement of merchandise and equipment, employee wages and more. Some BOPs even include Professional Liability coverage.
This coverage will protect you from lawsuits, as well as provide medical care and compensation to employees who are injured on the job. Coverage is mandated in many states and may provide managed care credits or dividends if you maintain a safe workplace.
No two businesses have the exact same exposures. And for many, coverage provided under the basic policy may not be enough. You may also need one or more of the following available coverages: builders risk, boilers and machinery, bonds, business income, commercial crime, directors and officer’s liability, inland marine, ocean marine, pollution liability, professional liability and floods and earthquakes. Please let us know if you have any other risk-related concerns not listed here so that we may explore additional solutions and resources for you.
From The Blog
Commercial Insurance Resources & Articles
For over 50 years, the Vidal Insurance Agency has been placing insurance for industries whose risks are complex and often difficult to find coverage for at affordable prices. One such industry is Security Services which ranges from alarm and surveillance system...