Business & Commercial Insurance


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Business & Commercial Insurance Information

Business Insurance Nampa

Your business is your livelihood. It is your brainchild and you have put your all into it. Setbacks and unexpected challenges have done nothing to way lay you so far in your quest to make it work and you do not intend to let anything stop you now. As your company grows though, you find that the setbacks and unexpected challenges are becoming bigger. The deals and work orders you are filling are higher risk, with more potential for failure than ever before. Your employees are doing more with your property than they’ve ever done before, increasing the risk of damage or injury. The risks are escalating, and so should your efforts to protect the company from massive financial liability that could cripple it at any moment.

Step up your protection by getting the best Business Insurance in Nampa. Premier Alliance Property and Casualty can help you get the perfect insurance for your brain child. Drop in to spend half an hour with our experts at 5660 East Franklin Road #300, Nampa, ID 83687.

 

Business Insurance Meridian

Entrepreneurs and small business owners are at great risk in the early stages of their business development. Everything they do is at huge financial risk to the company and themselves. Every investment is done with faith for a larger return. Projects are entered into with hope that the customer will be satisfied. Sometimes careers are put on hold to spend every waking minute working to build up the business. When you live in a world of such uncertainty, you need some peace of mind about at least a part of your business.

Business Insurance offers you peace of mind concerning the physical aspects of your business. With it you can ensure the survival or replacement of property—property you couldn’t afford to fix or replace yourself. Put your trust in the people at Premier Alliance Property and Causality. Visit us today at 5660 East Franklin Road #300, Nampa, ID 83687 and discuss Business Insurance options for your Meridian based business.

 

Business Insurance Boise

Finding the best Business Insurance can be a difficult process. Every insurance company offers you varying degrees of coverage on the same policies at different rates. Keeping track of what protection you get from what provider for a certain price gets confusing quickly. Making a good decision becomes less important as you quickly hope for the process to be over. Frustration can often make you decide on something you’ll only regret later.

Our experts at Premier Alliance Property and Causality understand the frustration. They make it their work to make sure you don’t have to ever experience it again. They will sit down with you, listen to your needs and offer you the best options to meet those needs. We will help you narrow down your options so that they decision is easier to make. You will walk out of our office feeling confident that you just got the best Business Insurance that Boise has to offer. Stop in to our office at 5660 East Franklin Road #300, Nampa, ID 83687.

Types Of Insurance Offered By Premier Alliance Property and Casualty In Idaho:

Commercial Auto
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

General Liability

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford's liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.

Broad Range of General Liability Protection

  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitiation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.