At Zander, we don’t just look at where you are – we look at where you’re going. With expertise across dozens of industries from manufacturing to construction, real estate, healthcare, and everything in between, we offer a wide array of services to protect your business, making us your one-stop shop for all your property & casualty insurance needs. Here are the most common coverages needed for your business:
Commercial property insurance covers your business’ physical assets from a covered loss and is important for all types of business owners. This coverage applies to the cost of repairs or replacement of your real or personal property. Additionally, commercial property insurance can provide compensation for lost net income, loss of rents, and/or payroll and expenses related to a shutdown of your operations from a covered loss.
Liability policies protect your business from liability claims arising from third parties. Specifically, general liability policies provide coverage for bodily injury or property damage caused by your business, while automobile liability policies will provide coverage for vehicles you own, rent, lease, or borrow for business use.
Whether your business is private, public, or even not-for-profit, management liability policies are a cost-effective way to transfer risk away from your company and protect your balance sheet. Here are some common coverages that can be included in a management liability package:
Certain professional services require errors and omissions (E&O) coverage, which falls under this category, and many states require certain practices to carry professional liability. In other cases, due to the nature of the work being provided, it might be required by contract. Some common examples would be:
Cyber insurance will cover your business’ liability from a data breach involving personal information such as social security numbers, credit card numbers, account numbers, and/or health records. The policy specifically provides coverage for:
Our team of loss-control experts will create a plan to contain claims, keep you OSHA compliant, calculate and allocate your total cost of risk and ensure your safety policies and procedures are reviewed on a regular basis, saving you time and money.