Choosing the right commercial insurance plan for your business is essential. And yet, too many insurance providers approach a request for proposal from their clients in a cookie-cutter fashion, without gaining a deeper understanding your business and organization.
At Wagley Agency Insurance Group, our business is thinking about yours, and based on an understanding of your organization’s needs, we make insurance recommendations for your organization that are comprised of the following:
Time and resources are precious – and whether it's evaluating the many insurance options that make sense, navigating a post-claim recovery, or, planning for changes in the business, or protecting your organization into the future, Wagley Agency Insurance Group is the insurance partner you want.
The insurance solution prepared by Wagley Agency Insurance Group, as a barrier of protection for your organization is comprised of the following:
Also known as business liability insurance, this coverage can protect you from a variety of claims including bodily injury, property damage, personal injury as well as others that can arise from your business operations.
This type of business insurance provides coverage for professionals and businesses to protect against claims of negligence from clients or customers. Professional liability insurance typically covers negligence, copyright infringement, personal injury, and more.
This business insurance provides commercial auto coverage for your business vehicles and/or fleet. Some coverages available are:
“Hired auto” refers to any vehicle you lease, hire, borrow or rent on behalf of the company. Non-Owned Automobile Liability coverage applies in cases when employees drive their own vehicles for business on behalf of their employer. Non-Owned Automobile Liability refers to autos the business does not own, lease or hire.
This is insurance coverage that covers your company’s physical property, such as:
This extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been exhausted.
Employment Practices Liability insurance includes coverage for defense costs and damages related to various employment-related claims including allegations of wrongful termination, discrimination, workplace harassment and retaliation. If you have employees in your business, this coverage is a must.
Directors and Officers liability insurance is insurance coverage intended to protect individuals from personal losses if they are sued as a result of serving as a director or an officer of a business or other type of organization. It can also cover the legal fees and other costs the organization may incur as a result of defending the organization against a lawsuit.
This coverage is an insurance policy that provides businesses with a combination of coverage options to help protect the company from data breaches and other cyber security issues. It’s not a question of if your organization will suffer a breach, but when.
This is a form of risk management that protects a business from the loss of property, money, or merchandise business-related crimes may cause.
This coverage protects your business property when it is in transit or stored at a site other than your primary business location. Many inland marine coverage forms provide coverage without regard to the location of the covered property; these are sometimes called "floater" policies.
These lines of coverage provide medical and wage benefits to employees who are injured or become ill at work. This coverage is mandated by each state and the wage and medical benefits vary by state.
A contract between three parties—the principal (you), the surety (us) and the obligee (the entity requiring the bond)—in which the surety financially guarantees to an obligee that the principal will act in accordance with the terms established by the bond. Some examples are: