You followed a dream, took the risk, and created your own business success. Now you need to make sure you protect what you have accomplished.
Your commercial insurance protection should be tailored to meet your unique needs. As an independent insurance agency, Horizon takes pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business. We would love to meet with you to learn all about the subtilties of your business. Over the years, we have been able to provide appropriate coverage for our clients that not only protects them and their business, but also fits the needs of their budget.
A BOP is a package policy typically combining general liability and property insurance along with other optional coverages for small to medium size businesses. These types of policies only apply to certain businesses and are very competitively priced for all the coverages they include.
General liability insurance is designed to cover legal exposures due to accident, injuries, and claims of negligence. These policies protect against payment due to the injured party because of bodily injury, property damage, medical expenses, libel, slander, and the cost of defending lawsuits.
Property insurance covers everything related to the loss and damage of company property due to a wide variety of events such as fire, wind and hailstorms, and civil disobedience or vandalism. The definition of Property is broad and includes lost income, business interruption, buildings, office furniture and computers.
Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company vehicle and can also provide medical payments or personal injury protection for the driver and passengers of the company vehicle.
When a catastrophic liability loss occurs, a commercial umbrella policy can mean the difference between a business surviving or not. Rising costs of lawsuits and judgements are important to consider. Catastrophic liability losses can happen to any business at any time and a commercial umbrella policy protects you when those losses exceed your basic liability coverage.