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Business Owner Insurance

Buying Insurance for your Business

First of all, a business owner insurance combines protection for all major property and liability risks in one insurance package. Moreover, this type of policy assembles the basic coverages required by a business owner in one bundle. Also, the policy is usually less expensive than the total cost of the individual coverages.

First, a business owner policy (BOP) is a package that bundles basic insurance coverages. Next, a BOP typically protects business owners against property damage, business interruption, and liability.  Furthermore, while coverages vary among insurance providers, businesses can often opt-in for additional coverage.  For instance crime, spoilage of merchandise, forgery, fidelity, and more can be added to the policy. Additionally, insurance providers determine if a business qualifies for a BOP based on business location, the size of the location, the class of business, and revenue.   Lastly, a business may qualify for special considerations if it meets certain eligibility qualifications.

There are so many different options for business owner insurance, let our team help find the right policy tailored to your needs!

Business Owners Insurance

First, a Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy.

General Liability Insurance

Importantly, commercial general liability (CGL) insurance is designed to cover the bodily injury and property damage liability exposures related to operating a commercial venture. 

Business Auto Insurance

Meanwhile, personal property coverage reimburses you for stuff in your home when it’s damaged or destroyed, like clothes, furniture, appliances and toys. Also, personal property coverage is anywhere between 50% – 75% of your dwelling coverage limit.

Commercial Property Insurance

Next, commercial property insurance is used to cover any commercial property. Commercial property insurance protects commercial property from such perils as fire, theft and natural disaster.

Worker’s Compensation Insurance

Also, workers’ compensation insurance is a type of business insurance that provides benefits to employees who suffer work-related injuries or illnesses. Specifically, this insurance helps pay for medical care, wages from lost work time and more. Also, our team will help you find the best insurance to make your company safe and a productive workplace.

Commercial Umbrella Insurance

Meanwhile, this type of insurance gives you extra coverage to help pay for costs that exceed certain liability policy limits. Without this type of commercial insurance coverage, you’d have to pay out of pocket for liability claims that cost more than your coverage limits.

Cyber Liability Insurance

First, cyber liability insurance is recommended for larger businesses. Also, it helps cover financial losses due to cyberattacks or other tech-related risks, as well as privacy investigations or lawsuits following an attack. 

Employment Practice Liability Insurance

As an employer, you always want to have coverage for claims made by employees alleging discrimination, wrongful termination, harassment, and other employment-related issues. Also, we will work with you to help you assess and manage your risk proactively.

Errors & Omissions Liability Insurance

First of all, errors and omissions insurance, aka  E&O insurance protects any business that gives advice, makes recommendations or represents the needs of others. It also helps protect you from lawsuits claiming you made a mistake in your professional services.

Directors & Officers Liability Insurance

Next, directors and officers liability insurance covers them when and if a claim is made against them while serving on a board of directors or as an officer. 

Flood Insurance

Flood insurance is specifically to cover the financial costs of flood damage for your company’s property. We will make sure you are covered for all your company’s physical contents and assets.

Crime Insurance

First, every company has potential to be targeted for crime. Also, we will work with you to minimize your risk and protect your business from theft and fraud.

Builders Rick Insurance

First, this will cover you while the building it is being constructed. Also, anything from the actual structure of the building and the materials inside will be covered.

Liquor Liability Insurance

Also, do you sell, serve or manufacture alcohol? Lastly, we will create an insurance policy just for you. 

Special Event Insurance

First, there is a lot of stress when it comes to hosting an special event. Moreover, the last thing you want to worry about is a financial risk if something goes wrong.  Furthermore, our team will provide you with the correct special event insurance policy.

Key Man Life Insurance

First, key man life insurance can keep your business going in an unexpected death of an employee who is a key component to the company. Furthermore, our trusted agents will design a policy that helps assure continuity of your business.

Environmental Insurance

First of all, environmental insurance is a specialized form of insurance providing coverage against losses that could be incurred because of third party and regulatory action arising from pollution or contamination. 

Systems Breakdown Insurance

First, this provides funds to repair or replace damaged machinery or equipment that has suffered a mechanical or electrical failure. Furthermore, we will design a comprehensive package to protect your business from disasters that might cause equipment to be repaired or replaced.

Surety Bonds

In addition, a surety bond is a promise to be liable for the debt, default, or failure of another.  Further, it is a three-party contract by which one party (the surety) guarantees the performance or obligations of a second party (the principal) to a third party (the obligee).  Also, they could be for a contractor’s license bond, bid bond, performance bond, notary bond, subdivision bond or dealership bond. Clearly, we will make sure you have the correct bond for your company.

Fiduciary Liability Insurance

In the case of fiduciary liability insurance, also known as management liability insurance, is intended to protect businesses and employers against claims resulting from a breach in fiduciary duty. Of course, we will make sure that your employee benefits are handled responsibly and you are protected.

Captive Insurance Management

In the case of a captive insurer is generally defined as an insurance
company that is wholly owned and controlled by its insureds.  Also its primary
purpose is to insure the risks of its owners, and its insureds benefit from the
captive insurer’s underwriting profits.  For this reason, where we help is on the administrative
and claims management side for your company. 

Cheap Insurance vs.
Cost of Insurance

Let us help you to find the

Best insurance at an 

affordable price for you.

Company information

2822 W. Northern Ave Phoenix, AZ 85051
Phone: 623-463-9000
Fax: 623-463-9001

15331 W Bell Rd #212 Surprise, AZ 85374
CA License OK 63994 dba SHADOW CREEK INSURANCE AGENCY, LLC

Contact details

E-mail address:
ghanson@proinsgroup.com

Mon-Fri | 9:00AM To 5:00PM