Commercial Insurance Solutions for Your Business property insurance, general liability, auto insurance, group health, & much more
No matter what the size of your business or what industry you are in, a number of different types of insurance are necessary for proper day-to-day functioning and your overall financial security. We at the Seltzer Group offer a comprehensive range of business insurance coverage solutions that are custom tailored to protect your company from every variety of risk you face.
Property Insurance for Your Business
Property insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies, and other physical items.
Property insurance may cover two types of property losses:
- Direct losses may be covered when property is lost, stolen, damaged, or destroyed
- Indirect or consequential losses related to direct losses may also be covered
Commercial General Liability Insurance
Casualty insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
- Premises and Operation
- Fire Damage Liability
- Personal and Advertising Injury
- Medical Payments
- Products and Completed Operations
You may also want to consider a Business Owners Package, which combines your liability, property, and other types of coverage into one comprehensive policy and can help you save time and money on your total insurance program. Since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Business Auto Insurance
Business Auto coverage insures vehicles that are owned, leased, hired, or borrowed by businesses, whether they are associations, corporations, partnerships, or sole proprietorships. Business auto insurance coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers, and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that is perfect for you and your business.
Workers’ Compensation Insurance
Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers’ Compensation provides for the payment of four types of benefits:
- Medical Benefits
- Income Benefits
- Death Benefits
- Rehabilitation Benefits
One of our expert representatives can provide you with complete details on our workers’ compensation insurance offerings and recommend cost-effective ways to control expenses through mitigating risk, safety engineering, and claim services.
Group Health Insurance
We specialize in helping businesses of all types and sizes identify the perfect group health insurance plans to meet their specific needs and to provide the proper amount of health insurance coverage for their employees.