As a business owner, you understand profits and expenses. Let us give you some peace of mind by having one of our experienced agents handle your business insurance needs. Business insurance protects your investment financially against unexpected events such as employee injuries, lawsuits, or a natural disaster. Affordable business insurance coverage can protect what you’ve built as well as your employees. Allow our professional staff to share their knowledge and guide you in finding the appropriate coverage.

Vehicles used by your business need commercial auto insurance coverage. Having reliable commercial auto insurance can protect your business and employees and is a great added benefit. This type of insurance covers different types of vehicles, drivers and various motorized equipment. Some examples of business vehicles include: tractor-trailers, garbage trucks, tow trucks, delivery vehicles, or pick-up trucks. Our Business Insurance Specialists will be happy to review your current coverage, determine what coverage is needed, and identify your potential for risk. We’ll help design a policy and coverage that provides sufficient protection and minimizes the exposure for your business.   Our Specialists are trusted advisors who will help guide you through purchasing and adding vehicles without large spikes in your insurance costs.

Vehicles used by your business need commercial auto insurance coverage. Having reliable commercial auto insurance can protect your business and employees and is a great added benefit. This type of insurance covers different types of vehicles, drivers and various motorized equipment. Some examples of business vehicles include: tractor-trailers, garbage trucks, tow trucks, delivery vehicles, or pick-up trucks. Our Business Insurance Specialists will be happy to review your current coverage, determine what coverage is needed, and identify your potential for risk. We’ll help design a policy and coverage that provides sufficient protection and minimizes the exposure for your business.   Our Specialists are trusted advisors who will help guide you through purchasing and adding vehicles without large spikes in your insurance costs.

Commercial property insurance can protect your business from a minor setback or a major financial loss.  Whether you own your building, lease your workspace or work from home, you should consider business property insurance to protect your physical assets.  If you were to encounter a loss, you could have permanent damage to your building, furniture, equipment, computers, inventory, outdoor signage, and/or landscaping. Consider protecting your property and your business through the various options and coverages provided for you through Townsend Insurance Group.

Business general liability insurance coverage is something every business (even if home based) must have; it is essential for safeguarding your investment as a business owner.  It provides financial protection against unexpected events such as employee injuries, lawsuits, and natural disasters. Our experienced agents can help you find affordable coverage that not only protects your business but also your employees. We ensure every business has appropriate amount of coverage for their needs.

Business general liability insurance coverage is something every business (even if home based) must have; it is essential for safeguarding your investment as a business owner.  It provides financial protection against unexpected events such as employee injuries, lawsuits, and natural disasters. Our experienced agents can help you find affordable coverage that not only protects your business but also your employees. We ensure every business has appropriate amount of coverage for their needs.

If you are in the business of serving the needs of others, you probably understand the importance of having Professional Liability Insurance. As you’re aware, the smallest mistakes can turn into an even bigger problem. Professional Liability Insurance offers different protection than general liability. It covers financial losses for other people due to your business actions or lack thereof. Professional Liability Insurance is also known as Errors and Emissions Liability Insurance. If your service includes heavy paperwork, offering advice, making recommendations, designing solutions or representing clients in any way, this type of liability insurance is for you.

Worker’s compensation insurance (worker’s comp) protects both the employee and the employer, and is required in nearly every state in the U.S.  Worker’s comp ensures that employees are taken care of financially in the result of a workplace injury.  This includes medical and rehabilitative expenses, and income for the employee during their time of recovery.  The worker’s comp insurance also protects the business from being sued by the injured employee, in most cases. Therefore, the right worker’s compensation insurance should be strongly considered for your business to protect it as well as your workers. Having the proper coverage in place will help your business in the long-term by retaining skilled and experience employees.

Worker’s compensation insurance (worker’s comp) protects both the employee and the employer, and is required in nearly every state in the U.S.  Worker’s comp ensures that employees are taken care of financially in the result of a workplace injury.  This includes medical and rehabilitative expenses, and income for the employee during their time of recovery.  The worker’s comp insurance also protects the business from being sued by the injured employee, in most cases. Therefore, the right worker’s compensation insurance should be strongly considered for your business to protect it as well as your workers. Having the proper coverage in place will help your business in the long-term by retaining skilled and experience employees.

Commercial Umbrella Insurance serves as an additional layer of protection for businesses beyond their primary liability coverage. This policy offers increased liability limits, stepping in when the limits of the underlying policies are exhausted. It provides a safety net against potentially catastrophic legal claims and financial losses, ensuring that your business has extra security in the face of unexpected and costly events. Commercial Umbrella Insurance is a crucial safeguard for businesses looking to fortify their risk management strategy and shield themselves from substantial liability exposures.

Cyber liability insurance safeguards businesses against the increasing risks associated with technology use, particularly data breaches and cyberattacks. These incidents are becoming more prevalent as businesses store sensitive customer information on their computers and phones. This coverage is crucial for protecting against data loss and security events. It offers financial protection in the event of a data breach or loss, alleviating long-term financial burdens.

Cyber liability insurance safeguards businesses against the increasing risks associated with technology use, particularly data breaches and cyberattacks. These incidents are becoming more prevalent as businesses store sensitive customer information on their computers and phones. This coverage is crucial for protecting against data loss and security events. It offers financial protection in the event of a data breach or loss, alleviating long-term financial burdens.

Surety bond insurance is a financial guarantee that provides assurance to a party, typically a client or government entity, that a specific obligation or contract will be fulfilled by the bonded party. It acts as a safeguard against financial loss in case the bonded party fails to meet its obligations. Surety bond insurance is commonly used in various industries, including construction, finance, and government contracting, to ensure that projects are completed as promised and contractual obligations are met. This type of insurance is essential for establishing trust and credibility in business transactions, offering protection and peace of mind to all parties involved.