Business Insurance Solutions to Keep up With Your Company
As a business owner, you have enough to worry about without trying to plan for unforeseen challenges in your business. Watt Insurance Agency will help you create a risk assessment plan personalized for your business needs while controlling your insurance costs.
General Liability
General Liability Insurance can help prepare your business for the inherent risks associated with running a company. These risks can include a variety of claims, from bodily injury, personal injury, property damage caused by you or your employees, to lawsuits and investigations.
Property Insurance
Business Property Insurance insures against damage to a business owners buildings and contents due to a covered cause of loss, such as a fire.
Workmen's Compensation
A Workmen's Compensation Insurance plan will help you look out for your employee's. This type of insurance provides wage replacement and medical benefits to employees who are injured at work.
Inland Marine
Inland Marine Insurance generally covers property that is movable or for specialized types of property. Inland Marine Insurance will cover damage to property in transit, property in the custody of a bailee, property deemed to be an instrumentality of transportation or communication; such as bridges and radio towers, mobile medical equipment, and contractors equipment.
Business Auto
Business Auto Insurance is an insurance policy that covers a company's use of cars, trucks, vans, etc. used to carry out its business. Coverage can include vehicles owned by the company, hired by the company, or employee owned vehicles used for business purposes.
Business Interruption
Business Interruption Insurance would cover the loss of income that a business suffers after a disaster. The Income loss covered may be due to disaster related closing of the business facility or due to the rebuilding process after a disaster.
Garage Liability
Garage Liability Insurance is designed to cover bodily injury or property damage caused by an accident arising out of garage business operations. This would cover things such as, third party injuries, property damage caused by equipment owned by the business, liability claims such as discrimination and employee dishonesty, and products manufactured or sold by the shop that cause damage to a customer's vehicle.
Bonds
Bond Insurance will provide monetary and asset losses due to fraudulent employee actions, protecting both business and customer who may be affected, as well as being in place to ensure the contractor performs the work they are contracted to perform for the customer.
Boiler & Machinery
Boiler and Machinery Insurance is designed to cover sudden or accidental breakdowns of various machines, equipment, and systems your company uses.
Electronic Data Processing
Electronic Data Processing insurance specifically covers damage to computers, media, and data that your company uses for its operations.
Errors & Omissions
Errors and Omissions Insurance, otherwise known as Professional Liability Insurance, protects your business against errors and omissions, actual or alleged, which occur while providing your professional services. This can include such things as giving incorrect advice, an omission, or failing to deliver your service.
Directors & Officers Liability
Directors and Officers Liability Insurance protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, custoemrs, or other parties, for actual or alleged wrongful acts while managing a company.
Liquor Liability
Liquor Liability Insurance is designed to protect businesses that serve, sell, distribute, manufacture, or supply alcoholic beverages from any legal responsibilities incurred by their patrons.
Trucking Insurance
Trucking Insurance is specially designed to insure independent owner-operators and small fleets in the coal, sand, gravel, and long haul industry.