Business Insurance

Property damage, lawsuits, injuries, data breaches, negligence, and theft are just a few of the circumstances that can result in a financial loss for businesses that are inadequately insured.

At Unify Insurance, our experienced consultants will work with you to create a risk management plan that fits the needs of your business.

General Liability

Is basic business protection. It covers property damage and bodily injury done to others when you are legally responsible. Depending on your occupation, professional liability insurance may be needed to fully protect your business from liability exposures.

Property

Protects business property and inventory (assets) against physical loss or damage by theft, accidents or other listed perils on the policy.

Commercial Auto

Provides insurance coverage for vehicles that are used for business purposes. Whether you use the vehicles to provide mobility for your employees, equipment or products, you cannot operate without a comprehensive company car insurance policy.

Errors and Ommisions

It protects you and your business from claims if a client sues for negligent acts, errors, or omissions committed during business activities that result in financial loss for the client.

Professional Liability

Coverage to protect you from being sued for damages that result from you or your company’s negligence, misrepresentation, violations of good faith or error or failure to render an opinion or offer a service.

Commercial Umbrella Liability

Is a type of liability insurance that provides additional coverage beyond the limits of your existing business liability coverage. An umbrella policy goes into effect when the limits in your other liability policies are exceeded.

Workers Compensation

Insurance protects the key players on your team-your employees. It pays for an injured employee’s medical treatment. It replaces part of lost wages if a job-related injury requires time off work. Also it protects your business and assets.

Employment Related Practices Liability

This insurance covers wrongful termination, wrongful refusal to employ, invasion of privacy, or defamation claims made by your employee against you, the employer.

Employee Dishonesty Insurance

Provides coverage for situations where a poor decision was made by your company’s board of directors or officers resulting in a claim for damage. Coverage can be provided for condominium associations, golf courses, churches, etc.

Employees Benefits Liability

Liability of an employer for an error or omission in the administration of an employee benefit program, such as failure to advise employees of benefit programs. Coverage of this exposure is usually provided by endorsement to the general liability policy.

Fire Legal Liability

Coverage for property loss liability as the result of negligent acts and / or omissions of the insured that allows a spreading fire to damage another’s property.

Liquor Liability

Protects you against claims for injury sustained by reason of you selling, serving or furnishing any alcoholic beverage during the course of business.

Product and Complete Operations Liability

Provides protection for bodily injury and property damage, which occurs away from your premises, and are caused by your products. The amount of coverage and the level of risk all depend on your business type.

Hired and Non-Owned Liability

Provides auto liability coverage for short-term auto rental (hired), or for employees using their personal auto (non-owned) during the course of business.