Safeguard your company against financial damages with a customized business insurance policy from the Hamilton Agency.
With general business liability insurance, covered claims, damages, legal defense fees and settlement charges are paid by the insurance company up to the policy limits. Business liability insurance is often offered in a package with property insurance at competitive rates. Business liability insurance is inexpensive, but the cost to defend a claim can be overwhelming and catastrophic.
Business property insurance protects your business property, such as your furniture, computers, office equipment and other materials, against loss such as fire, theft, hail, wind or other means. Every business has property that could become damaged or lost, so commercial property insurance is one of the first things to consider purchasing when starting a new company.
Commonly selected by small businesses, a business owner’s policy (BOP) combines general liability insurance and property insurance into a single policy.
Workers' compensation insurance provides medical and disability coverage for on-the-job injuries or work-related illness. Workers' compensation is required by law in most states for businesses with W2 employees. In many states, principals such as owners, officers and partners can exclude themselves from workers' compensation coverage.
Professional liability insurance, or errors and omissions (E&O) insurance, protects businesses that provide professional services against claims of negligence or mistakes.
Hired and non-owned commercial auto insurance is typically added as an endorsement on a general liability or business owner’s insurance policy. Hired auto coverage replaces the liability offered by auto rental agencies. However, it does not cover physical damage to the vehicle that is rented. Non-owned coverage protects your business in the event that your business is sued as a result of an auto accident caused by you or one of your employees in a personal vehicle while on company business. The driver's personal insurance is primary, and non-owned insurance picks up if the driver's insurance is insufficient to pay the claim.
Employment practices liability insurance (EPLI) covers allegations of discrimination, wrongful termination and sexual harassment of employees. EPLI can also be bundled with directors and officers (D&O) liability insurance, which protects against claims that allege misconduct by the directors or officers of a company against individuals or groups affected by their actions.
Commercial umbrella insurance, also known as excess liability, provides coverage when the limits of liability insurance are exceeded. For instance, if a claim is settled for $1,750,000, but your general liability insurance policy has $1,000,000 coverage limits, the umbrella policy will pay the additional amount.
At the Hamilton Agency, we've been taking care of people and their businesses for nearly 30 years. We understand the challenges that come along with managing a business. That's why we offer a variety of insurance options, so you can pick the right fit for your company.
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The Hamilton Agency is a service-based business that strives to protect people first. Since 1994, we have provided businesses and families with reliable insurance. Our local agents are committed to equipping you with the best insurance savings and coverage.
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