Coverage for Your Business

No matter your business type, each day is about doing your job well and serving your customers. We’re here to protect your business so you can focus on what you do best. With the right insurance plan, your business can be fully covered.

Commercial Property Insurance

A Property Insurance policy protects your business’s building and personal property from minor accidents or major financial loss. Our insurance agents can help you create a policy that covers:

Your building
All interior items (desks, furniture, etc.)
Any outdoor signs on your property
On-site equipment
Your inventory
Business income

Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

Commercial General Liability

Commercial General Liability helps protect your business from major financial losses if you’re sued or held responsible for injury or damage. With the right policy, medical expenses, legal fees, settlements, and reimbursements can be covered. Our coverage includes:

Premises Liability
Products and Completed Operations
Premises Medical
Fire Legal Liability
Casualty Coverage
Garage Keepers Liability

We also offer specialty coverage like Foreign and Liquor Liability to further protect your business.

Commercial Auto Insurance

To protect your revenue from auto accidents, it’s important to insure your vehicles, products, and drivers are insured against property damage, injury, legal costs, and more. With Commercial Auto Insurance, we’ll work with you to create a customized policy that may include:

Bodily Injury Liability
Medical Payments
Personal Injury Protection (PIP) Coverage
Comprehensive Coverage
Collision Coverage
GAP Coverage
Uninsured and Underinsured Motorist Coverage
Cargo Coverage

Inland Marine Insurance

We’re committed to giving your business the coverage it needs to protect its assets. Our Inland Marine policy ensures that when your business is on the move, items like:

Transported Property
Computer Equipment and Data
Contractor’s Tools/Equipment

Workers Compensation

We value good employees and know how important it is to protect them. A Workers’ Compensation plan helps your business cover expenses if an employee is injured on the job, from car accidents and back injuries to equipment malfunctions or even death.

Workers Compensation can cover:

Medical expenses/treatment for injured employees
Replacement of lost wages during recovery
Survivor benefits

Without Workers’ Compensation, serious injuries could lead to costly lawsuits. It’s important to discuss your options with a specialist to find the right coverage for your business.

Umbrella Insurance

As a business owner, having the right insurance is crucial. Without enough coverage, your current policy might not protect you fully in situations that could threaten your finances or operations.

A Commercial Umbrella policy adds extra coverage, protecting your business if a lawsuit or major accident exceeds the limits of your existing General, Auto, or other liability policies.

Builders Risk

Builders Risk Insurance protects a structure while it’s under construction. It covers various projects like new construction, remodeling, and installation, offering standard coverage and endorsements customized to fit nearly any project.

Bonds

We offer a variety of bond and license services to protect your business. With many bond options available, choosing the right one can be challenging. Our experienced bond specialists at DFS will work with you to find the best solution for your needs. Along with quality surety products, we also offer licensing and permit services to keep your business compliant.

Our business solution services include:

Performance Bonds
Contractor’s Bonds
ERISA Bonds
Fiduciary Bonds
Surety Bonds
Fidelity Bonds
Public Official Bonds

Flood

Flooding is a common result of severe weather across the U.S., and just an inch of water can cause over $25,000 in damage. That’s why flood insurance is crucial, especially in high-risk areas. It helps cover the costs of damage caused by floods, giving you the funds needed for recovery.

Professional Liability

Lawsuits against businesses are common, so having the right insurance is crucial. We can help you create a Professional Liability policy to protect your business from legal claims. This insurance covers you from negligent claims by third parties or even internal sources.

Professional Liability Insurance options include:

Errors and Omissions (E&O): Covers mistakes made by employees, such as failure to perform or contract violations.

Directors and Officers (D&O): Protects your business’s leaders from liability related to their corporate roles, like mismanagement or legal violations.

Fiduciary Liability: Covers claims related to violations of the Employee Retirement Income Security Act (ERISA), such as improper investments or failure to enroll employees.

Employment Practices Liability: Protects against claims of workplace rights violations, including harassment, discrimination, or wrongful termination.