Commercial Insurance
Your business is as unique as its owner! Make sure your business keeps running smoothly with a properly tailored insurance package.
Our Policies
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BUSINESS OWNER PACKAGE (BOP)
A full-service small business package that can include coverage for liability, products, inventory, and building all in one.
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COMMERCIAL PROPERTY
A policy to cover business property like furniture, inventory, building, and the liability specifically related to those items.
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COMMERCIAL AUTO
On-the-go coverage for everything from business use of a private sedan to large-scale freight hauling with semitractor/trailers.
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WORKER'S COMPENSATION
Protect your people to protect yourself from workplace and work-related injuries.
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GENERAL LIABILITY (CGL)
Cover the lawsuit risks facing your business with a general liability policy tailored to your specific needs.
Business Owner Package (BOP)
Cover your small business with a portfolio of the most useful coverage options for your operation. A business owners policy can cover property, liability, business interruption, and more, in one neatly wrapped package.
Property
It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.
Liability
Don’t let liability worries deter you from doing what you love! Every business has liability to cover – even LLCs – limited liability companies. See our FAQs on how that works here. Let us focus on being there for you, so you can focus on being there for your business.
Commercial Property Insurance
Cover your business’ belongings – from buildings to equipment; inventory to raw materials; all the way down to furniture in the front office and paper in the back closet.
The Big Stuff
Real estate locations and large equipment need to be specifically listed in what’s called a “schedule” of items. Be prepared with the manufacturer information on the equipment you consistently use in your business, or the paperwork with your scheduled items from your current policy to ask questions.
The Little Stuff
You don’t need to list out every single thing your business owns when it gets down to the nitty-gritty, but thinking about how much it would cost to replace computers, decorations, products, scanners, shelves and trays and promotional items, you’ll want to ensure that you add everything up so you can replace it easily if *knock on wood* you need to.
Commercial Auto Insurance
Keep business moving by making sure that your business auto coverage is in good working order. We can help keep you on the road with protection fit for fleets of freight haulers, all the way to the sedan you use to drive to meetings with customers.
Private Passenger - Business Use
If you own and personally insure your vehicle you use for your business, it could be costing you extra not to have it classified properly. If you use your vehicle for business (besides commuting) for 50% or more of your driving, you should make sure it’s classified that way on your policy. Call us to help you navigate these changes.
Commercial Auto
Commercial vehicles like F450s and larger are determined based on their Gross Vehicle Weight. We can help with your needs – from one or two farm trucks to a fleet of for-hire haulers. Reach out to see how we can keep your business rolling if unexpected issues are thrown into the gears.
Worker’s Compensation
You love your team, and they work hard for you! However, if they get hurt, it can cause headaches – they’re worried about paying for care, and getting back to work quickly, and you have to help oversee that care if it happens on the clock. Let us help them, so you can focus on what keeps your business healthy.
Look Out For Them
By making sure you have the necessary information for each employee, and the correct amount of coverage, you can protect your employees from the anxiety of on-the-job injuries breaking the bank in two different ways.
Look Out For You
This serves as a double-whammy – the right level of coverage prevents you from having to pull business capital for medical expenses. Setting your coverage too high for low-risk industries can be costing you unnecessarily – setting your coverage too low for high-risk industries can be a fatal blow to the business.
General Liability (CGL)
Simply put, liability coverage takes care of your lawsuit concern. Every company needs liability in some form or another, but for the bigger businesses that need a dedicated policy, a general liability blanket can provide great coverage for a great value. These policies accomplish two things:
Protect the Business
Taking care of your customer is focus #1 in your business, right? We feel the same! But imagine for a moment, if a mistake happens. Missing a warning label on a food item with tree nuts in it is a small mistake, but can have a big impact. Your liability policy is what provides the means to take care of that distraught family that just wants to pay their medical bills and move on. If a mistake does happen, protect your customers by protecting your business.
Protect the Business (yes, again!)
With your liability policy, you are also giving yourself the option to focus on the business. The family will be taken care of – by your insurance carrier. VSIA will keep you abreast to your claim. Imagine though, having to handle a lawsuit and defense and payout – directly from your business account. You are only able to fix problems if you still have the resources to do so.
Commercial Insurance Questions?
We can answer them.