We take pride in providing our business insurance customers with excellent coverage and great service. If your business is in need of property, auto, workers compensation or liability coverage, our agency has the staff and the experience to assist you. We represent many outstanding insurance companies that provide excellent protection and competitive premiums.


Business and Commercial Insurance Coverage Options & Terms


Business Auto covers liability and physical damage for business vehicles.

Business Income Coverage covers income loss which occurs when business operations cannot continue due to an insurable type of property loss.

Business Owners Policy is a combination of property and liability coverage for certain types of small businesses.


Certificate of Insurance is a document which proves that you have purchased insurance.


Coinsurance Provision is used for property coverage where the policy owner needs to purchase insurance for the amount equal to a percentage of the property’s value in order to receive full payment in the event of a loss.


Commercial General Liability is coverage that protects a business from liability claims for property damage or bodily injury.


Employment Practices Liability is coverage that protects a business from liability claims for property damage or bodily injury.


Equipment Floater coverage for equipment that typically moves in location.


Extra Expense is coverage of expenses above and beyond regular operation expenses due to a direct loss.


Fire Legal Liability covers the policy owner for legal liability due to fire damage to rental property.


Garage Liability is coverage for car dealers, repair/service stations, garages, etc for bodily injury or property damage.


Garagekeepers Coverage is liability coverage for owners of storage garages, body/repair shops, parking lots, etc for damage to automobiles left on their premises.


General Aggregate Limit is a maximum limit to the amount paid for losses during the policy period.


General Liability is insurance coverage other than automobile and professional liability.


Mobile Equipment is coverage for equipment other than automobiles (i.e. tractors, diggers, forklifts, etc.).


Package Policy provides a variety of coverages combined into a single policy. Typically it is a policy that covers both general liability and insurance for property.


Property Damage covers physical damage to property resulting in loss of use in a general liability policy.


Workers’ Compensation provides benefits to a business’ employees when injury or disease occurs during the normal course of business.


Contact Ted Breckheimer today for a business insurance quote.

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