Business

Business Insurance

Get the Business Insurance Coverage You Need to Protect Yourself

Business Insurance Coverage

Builders' Risk Insurance
Business Interruption Insurance
Business Owners Package Insurance
Cargo Insurance
Commercial Auto Insurance
Commercial Earthquake Insurance
Commercial Property Insurance
Commercial Umbrella Insurance
Contractor's General Liability Insurance
Cyber Liability Insurance
Directors and Officers Liability Insurance

Employment Practices Liability Insurance (EPLI)
Farm / Agribusiness Insurance
Garage Insurance
General Liability Insurance
Hotel & Motel Hospitality Insurance
Key Person / Employee Insurance
Kidnap & Ransom Insurance
Liquor Liability Insurance
Manufacturers Insurance
Medical Malpractice Insurance
Non-Profit Insurance

Product Liability Insurance
Professional Liability (Errors & Omissions) Insurance
Restaurant & Bar Insurance
Special Event Insurance
Sporting & Hunt Clubs Insurance
Surety Bonds
Technology Insurance
Vineyard & Winery Insurance
Wholesalers & Distributors Insurance
Workers' Compensation Insurance
And More

Commercial Property Insurance

Commercial property insurance is designed specifically for business owners who want to cover their property and the items inside the property. It can also cover important documents, lost income, business interruption, and more. Commercial property insurance provides many ways to protect your business and yourself from unexpected perils. Call the experts at Insurance Planning & Management today at (618) 243-5297 to schedule an appointment.

Commercial Property Insurance Can Protect You From

Fire
Busted Pipes
Storms
Vandalism
Explosions
Theft
And More!

Call us at (618) 243-5297 to choose a policy that’s right for you.

General Liability Insurance

There are many variables that go into determining the right level of general liability insurance perfect for your business. From payroll expenses, value of assets and property and more. At Insurance Planning & Management we have a team of independent insurance agents who are experts in business insurance who can help you navigate the coverage levels. General liability can cover any accidents on the property, the products you manufacture, or other third-party claims made against your business due to your perceived negligence. We will work with you step-by-step so we can understand your needs and match the perfect personalized policy.

Commercial Auto Insurance

Commercial auto insurance is as necessary as personal auto insurance, and can be very similar with the exception that you will want coverage for higher-value commercial vehicles or even a fleet of company vehicles like delivery trucks, service vehicles, vans, and more.

With commercial auto insurance, it can cover the vehicle, the drive and any lawsuit costs that happen due to the vehicle. Insurance Planning & Management always offers a free comparison quote for all commercial auto insurance policies, available from multiple carriers, so you can choose the perfect plan for your business. Give us a call today at (618) 243-5297.

Worker's Compensation

Workers compensation coverage is in place to protect and cover your employees’ should they become injured while at work. It provides reimbursement for lost wages and medical expenses until they’re physically able to return. Workers compensation can also protect you, the business owner, from litigation following a workplace accident that injures an employee. Call us at (618) 243-5297 to find a workers compensation policy that suits your needs.

Workers Compensation Facts

Workers compensation is typically the largest part of a business’ expense.
Employees can sue a business after sustaining an on-the-job injury but are required to forego their workers compensation rights.
Employees are eligible for workers compensation even if the accident happened away from the business property as long as the injury happened “within the scope of employment.”

Commercial Umbrella Insurance

When you own a business you will most likely be required to carry a general liability insurance policy. However, general liability can only cover so much. Insurance Planning & Management will help you find a commercial umbrella insurance policy to provide further protection for you and your business.

Commercial Umbrella insurance is an additional, complimentary policy to your general liability policy. It is designed to provide protection for your business when your general liability policy isn’t enough. For more information about commercial umbrella insurance call Insurance Planning & Management today to set up an appointment.