Metropolitan Insurance

Business

              Insurance

Business

              Insurance

  • Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Having the proper business insurance coverage at an affordable rate can make the difference between the success and failure of your business. Allow our commercial insurance experts to help guide you to success.

Business Owner Insurance

A business owner policy packages all required coverage a business owner would need. Often, BOPs will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance . Based on your company’s specific needs, you can alter what is included in a BOP.

Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage’s.

 

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Liquor liability insurance

Liquor liability insurance is a policy that covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policyholder.

This product is specially designed for establishments in wich alcoholic beverages are sold to customers, it covers the expenses derived from a lawsuit if such customers causes bodily injury to a third party as a result of been intoxicated by the products served by the policyholder.

 

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Workers Compensation

Is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.

Let us help you make sure your adequately covered for workers comp. We’ll get you a great rate and keep your business going strong.

 

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Builder's risk insurance

Builders risk insurance protects a person's or organization's insurable interest in materials, fixtures and/or equipment awaiting installation (or after installation) during the construction or renovation of a building or structure, should those items sustain physical loss or damage from a covered loss.

There are several groups of eligible clients for a commercial or residential builders risk policy – all of which can purchase the policy in their name, including the following: Homeowners / property owners, builders, contractors, house flippers, development, investment companies, retail companies, school districts, etc.

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Commercial auto insurance

 

Also known as commercial vehicle insurance, only covers business-owned vehicles. It does not cover personal vehicles used for business purposes, unless that's their primary use.

If your employees use their own vehicles for work errands, they may need hired and non-owned auto insurance.

If your business owns vehicles and uses them to travel to and from job sites, transportation of tools and equipment used for business purposes, transport employees or clients.

Businesses in the following industries are excellent candidates for commercial auto insurance: Building design, cleaning services, construction and contracting, consulting, food and beverage, landscaping, real estate, retail, wholesale, etc.

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E&O insurance

Generally protects service businesses from errors and/or omissions made by a business owner, employee or contractor working on behalf of the company. 

Whether you’re a printer, a plumber or some other professional who provides a service for a fee, you likely need errors and omissions liability insurance.

 

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Cyber insurance

It's designed to cover a business' liability for a data breach involving sensitive information about customers, such as ID information, payment information, account numbers, driver's license numbers, etc.

Small business' are not excluded in cyber attacks, so you should make sure to protect your information, often cyber insurance is not included in a general liability policy.

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Event Insurance

Event Insurance covers the legal liability you or your company may hold from certain types of claims arising from accidents taking place during an event you host.

Subject to the specific coverage terms, conditions and exclusions, it offers protection for the host / honoree for damage to the facility caused by a guest or vendor, bodily injury to guests they are found liable for, and alcohol-related accidents they are found liable for. Make sure the unexpected doesn’t ruin your next planned event. 

 

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  • We are insurance professionals who understand your risk and needs. Give us a call and get your event insured today.

Commercial Umbrella Coverage

This product gives you extra liability coverage to help pay costs that exceed your general liability or other liability policy limits. That’s important because if you don’t have a policy in the first place, commercial umbrella coverage can’t extend it. Without this business insurance coverage, you’d have to pay out of pocket for expenses that cost more than your coverage limits, such as: legal fees, medical bills, damage expenses, etc.  

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Insurance Bonds

An insurance bond ensures contract completion in the event of contractor default and are typically required by project owners when seeking a contractor to fulfill a contract.

The contractor obtains a bond so the insurance company is obligated compensate the project owner for the financial loss incurred if the work is not completed. If you need an insurance bond to bid on or get hired for a new job call us. We’re insurance bond experts and we’ll get it taken care of you… Fast!

 

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Office Insurance

 

Office insurance protects your working premises against the costs and any loss of productivity caused by physical damage, theft or equipment failure. When the unexpected happens, it’s important to make sure you’re in a position to get on with business as usual.

 

 

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