Business & Commercial Insurance

Risk Management
Ins-all has developed a network of insurance providers that share our passion for small business. We will
take the time to understand your business, and work with our network to find the most appropriate
coverage for the best price.

Commercial General Liability Policies - CGL
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. 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.
Broad Range of General Liability Protection includes;

• 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.

Professional Liability Insurance
Professional liability insurance  is a form of liability insurance that helps protect professional advice- and service-providing individuals and companies from
bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged
failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. Common examples are;

  
Benefits
 Group Health Insurance
Health insurance is one of the most important employer-provided benefits currently offered in the workforce. Group health insurance is  a single policy issued to a group of people, offering uniform healthcare benefits to all members.

Most employees consider health coverage to be the most important employee benefit. It's also an attractive benefit for an employer to offer, since the costs are tax deductible. Surveys have shown that offering health insurance increases productivity, increases retention, lowers time off from work, and improves recruitment.  In most cases, these policies are purchased by employer and offered to eligible employees and their families as part of an employee benefits package. Enrolling in group health insurance generally costs participants less than what they would pay for an individual healthcare policy for two main reasons:

    The risk is spread over the whole group, as opposed to just one individual 
    Many employers pay a portion of employees’ premiums. 

Am I required to offer group health insurance for my employees? Large businesses with 50 or more employees are now required to offer group health insurance under the Affordable Care Act. Small businesses with fewer than 50 employees are not required to offer coverage, but they can qualify for tax credits to help offset the cost if they choose to offer healthcare and pay for at least half of each employee’s premium.

 Download and fill in the census form to begin the quote process- census form_2020.xlsx