Commercial General Liability Insurance (CGL) helps protect your business from bodily injury, property damage and personal & advertising injury claims that could put your business at risk. This coverage is not a fixed cost and will vary based on your revenue, payroll, etc. It’s critical to look beyond the premium, assess the underlying exposures and quantify your true cost of risk. Our analysis identifies your business’ risks and will recommend the optimal blend of insurance and risk management.
When your employees are taken care of, your business is taken care of. Operating a safe work environment will not only allow you to obtain preferred workers’ compensation pricing, it will also lower your overall expenses. Should a work injury occur, workers’ compensation provides you and your employee with valuable benefits. At the Beaton Agency, we will evaluate your risks and provide you with a competitively priced workers’ compensation plan that is tailored to your organization.
Does your business use a company car or a fleet of trucks? If so, you will need a Commercial Auto policy customized with coverages to fit your operation. Whether it’s making sure your limits of liability meet contractual obligations or extending coverages for the owner and their spouse because a personal insurance doesn’t exist, we will do the work to ensure you have the best protection for your business automobiles.
Help shield your business from catastrophic liability losses with a Commercial Umbrella policy. This additional liability coverage can provide limits in excess of your general liability, automobile liability and employer’s liability policies protecting your valuable assets. Let us show you how this added layer of protection provides increased financial protection from unexpected risks. In many situations, we’ll save you enough money on your other insurance policies to include an umbrella for no more than you are currently paying.
Directors & Officers (D&O) Liability insurance covers the directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. D&O helps cover defense costs and damages (awards and settlements) arising out of these wrongful act allegations and lawsuits. These types of claims have become increasingly common and directors and officers themselves could be held personally liable. Protect yourself now!
Builder’s Risk Insurance is essential for construction projects but needs to be customized based on your project. It is a specialized type of property insurance that provides protection for either the owner and/or general contractor during construction. Some policies will also include storage of equipment off premises, soft costs and existing structures. This coverage can be provided for new construction or renovations and is highly customizable to fit your project. This is an important coverage to consider. Call us to discuss your next construction project.
The Beaton Agency has provided contract and commercial surety support to firms and individuals across the country. Contractors can expect fast approvals and bond programs designed to support their business. Our greatest achievement is helping clients grow their business with our coaching while obtaining larger bond limits at the best rates.