Commercial Property Insurance:
A business' fixed assets, as well as expected income, can be protected from the threat of loss due to natural and human-made disasters such as fire, flood, and windstorm. In a post-Sandy world, insurers are increasingly restricting coverage by default for the types of natural disasters that have affected wide swathes of the country. Brown and Brown Metro's experienced agents will not only analyze your business to identify assets exposed to loss, but also present solutions to insure potential losses.
Commercial General Liability Insurance:
General liability policies provide protection from suits due to bodily injury, damage to another's property, or personal and advertising injury on your business's premises or from your business's operations. Having the appropriate liability policy in place can prevent a legal suit from becoming a financial disaster.
Commercial Auto Liability Insurance:
Vehicle use presents a large exposure to loss to many businesses, including injury or damage caused by a company vehicle and physical damage to the company's own vehicles. Coverage requirements vary state-by-state, and Brown and Brown has the knowledge and experience necessary to evaluate your business's over-the-road exposure and match you with an insurer that provides the coverage and service needed to keep your fleet on the road.
Workers' Compensation Insurance:
State Workers' Compensation laws require employers to provide their employees with specific benefits that may vary state-by-state. Brown and Brown Metro can guide your business through the complexities of coverage requirements to ensure compliance while leveraging its relationships with national and regional insurers to place coverage with a company that best fits your specific business's needs.
Umbrella/Excess Liability Insurance:
Umbrella liability policies provide excess limits when the limits of underlying policies (usually general liability, auto liability, or employer's liability) are exhausted by the payment of claims. Additionally, umbrella polices cover some claims not covered by the underlying policies.
Management Liability Insurance:
Standard liability policies can't protect businesses from all sources of legal suits. In addition to general liability, auto, and umbrella policies, business owners and officers suits may arise due to decisions made during the conduct of business operations. Management liability policies are available to provide financial protection for companies and their individual owners and officers for these kinds of exposures, including:
• Director's and Officer's Liability
• Employment Practices Liability
• Fiduciary Liability
Trade Credit Insurance
Trade Credit policies allow businesses to insure their accounts receivable from loss due to nonpayment from a buyer of goods or services. In addition, insurers providing trade credit insurance policies can often offer additional services to the insured company such as financial analysis of potential customers and debt collection services.