Insurance Products: Business/Commercial

If you are a business owner, you have a lot more important things to do than worry about your insurance programs. At Newberry Insurance, we help you assess your company's needs, and we access the best products at the best prices. We have a full range of coverage to protect you and your business:

• Automobile - a flexible way to arrange the various coverages available for a business auto policy. The auto policy can insure business owned vehicles, commercial owned vehicles, leased vehicles, and borrowed vehicles. The coverage can include covered autos, liability, physical damage, medical payments and uninsured motorists.
• Performance Bonds
• Workers' Compensation - benefits to an employee/worker for injury, disability or disease, during the course of employment, regardless of negligence. This policy protects the employer against suits arising out of accidents happening to employees while employed on the job. This covers medical and rehabilitation costs and lost wages for employees injured at work; required by law in all states.
• Professional Liability
• Business Owners - a package policy that provides property, liability coverage and business interruption coverages designed for small and medium sized businesses in the retail, office, and service industry.
• Umbrella - provides increased liability coverage over and above underlying business policies. Typically, it provides coverage over and above the commercial auto liability, businessowners policy, commercial general liability policy, and other commercial insurance available. This coverage is specialized for each business, so call or e-mail to obtain a no-obligation quote.
• Errors & Omissions (E&O) - professional liability insurance for professionals which pays for losses or defense of malpractice lawsuits. This coverage is for liability resulting from errors or omissions in the performance of professional duties. This coverage is specialized for each type of business - call us or e-mail to obtain an application for a no-obligation quote.
• Directors & Officers Liability (D&O) - This provides protection for directors and officers for damages resulting from actual or alleged wrongful acts, misleading statements, neglect or breach of duty arising out of the operations of the organization. This coverage pays for defense and losses. As this coverage is specialized for each type of business, please call us or send us an e-mail to obtain an application for a no-obligation quote.
• Employer Practices Liability - provides coverage for any actual or alleged wrongful termination of employment; demotion, failure or refusal to hire or promote any person; discrimination or sexual harassment adversely affecting an employee or applicant for employment; retaliatory treatment against an employee on account of employee's exercise or attempted exercise of his or her rights under law. As this coverage is specialized for each type of business, please call us or send us an e-mail to obtain an application for a no-obligation quote.
• Commercial Package Policy - provides property, liability and other insurance coverages for commercial businesses in one policy. The benefit of this policy is that all the coverages are included in a single policy.
• Builders Risk - provides property coverage applicable to construction projects against a loss to a building while under construction and to any temporary structure, supplies and materials that are needed during the construction. This policy can also cover the builder's equipment and machinery while constructing the building.
• Flood Insurance - written by the National Flood Insurance Program, this provides flood insurance to businesses, condominium associations, and commercial structures located in a flood zone which is not provided under a standard business/condo policy.
• Property
• Liability
• ERISA Bonds

Maximize your employee benefits - minimize the impact on your bottom line

Whether you are looking to enrich benefits for your entire staff or a custom plan for your executive team, we now offer a suite of financial products that can be tailored to your company's needs - from traditional Group Benefit plans to Voluntary Benefits that can be offered to your employees at no cost to your company. We offer:

• Group Health & Dental
• Short-Term Disability
• Long-term Disability
• Term Life
• Variable Life
• Whole Life
• Key Person
• Buy/Sell
• Estate Planning
• Financial Planning
• Long-term Care
• Critical Illness

As your trusted agent, we would be happy to conduct a no-obligation benefit assessment plan for your company or a life assessment plan for you and your key staff.