Business Insurance
Is Your Business or Commercial Property Properly Insured?
Commercial Insurance for your business is made easy by the Riordan Insurance Group. We have the experience, insurance carrier knowledge and connections, and customer service orientation that you need to be secure. To request more information or a call from Riordan, please use our easy Contact Form or give us a call. We are more than happy to review your situation with you and provide you with quotes. Our current clients include condo associations, homeowner associations, churches, non profit organizations, airports, hotels, motels, apartment building owners, painters, contractors, caterers, engineers and engineering firms, taxi and limousine companies, general office, consultants, and many others. We service single proprietors and entrepreneurs, partnerships, LLCs, and corporations. Here are some of the Commercial Products and Services protection areas that we offer.
Commercial General Liability Insurance
Your business faces risk and liabilities every day. The only way to protect your business assets is to carry adequate business liability insurance. A CGL or Commercial General Liability insurance policy is the first line of defense against many of the most common claims.
General Liability insurance covers claims of bodily injury (or other physical injury) and/or property damage. Riordan Insurance Group can offer it in a package along with Property insurance to protect your business against incidents that may occur on your premises or at other covered locations where you regularly conduct business. Commercial General Liability enables you and your business to continue operations even if you face claims.
“Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others.”.
- Liability coverage to pay for losses you cause others
- No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault
- Both liability and no-fault coverage.
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Workers’ Compensation Insurance
Workers’ Compensation (workers’ comp) is insurance that provides medical care for employees who are injured in the course of their work. To claim the benefits, the worker must give up his right to sue the employer for his injuries. State laws differ in the treatment of worker’s comp so a professional should review your coverage options with you and select the plan that makes the most sense for your business. Usually, provisions are made so the insurance pays in place of missed wages, covers medical expenses, and finally, death benefits in the case of a worker being killed.
Fleet and Commercial Vehicle Insurance
Commercial auto insurance is one of the most important types of business insurance program. If your business uses a vehicle, or many vehicles, you will need commercial vehicle insurance. You will need to provide your insurance professional a complete picture of how your vehicles are used and make sure that the plan addresses it exactly in order to minimize your risk and exposure
Commercial Property Insurance
Commercial Property Insurance is a must for any business to protect your buildings, equipment, and supplies from hazards such as fire and vandalism. Much like a homeowner’s policy protects one’s home, commercial property insurance protects your business.
Buy / Sell & Key Person Insurance
Buy/sell insurance is one of the best ways to assure the continuation of your business in the event of a partner’s death. Key person insurance (key man insurance) can be thought of as an insurance policy taken out by a business to compensate for the losses that would arise from incapacity or death of a named member of the business, such as the owner or president.