Business Insurance

All businesses require some sort of minimum coverage to provide basic liability safeguard against things like injuries, property damage, accidents and lawsuits.  This basic coverage is are referred to as General Liability Insurance.

From there a multitude of options present themselves as you business grows.  Do you have company vehicles that you or your employees drive?  Do you have commercial buildings?  Does your profession require you or your employees to carry professional liability coverage?

We’ve got quite the lineup of carriers to quote from to ensure you are being presented with the most competitive options to fit your needs.  We are contracted with Liberty Mutual, Hartford, Philadelphia, Red Shield, Travelers and CHUBB.

We know business insurance inside and out. GHB will help you manage risk and protect your sweet assets.

We sort through the “what ifs” of:

• General Liability
• Commercial Property & Auto
• Non-Profit
• Errors & Omissions / Professional Liability
• Inland Marine / Equipment
• Directors & Officers
• Business Owners Policy
• Bonds
• Business Income Extra Expense

Coverage Index:

General Liability (CGL) – This is a standard insurance liability policy that is issued to organizations to protect them against property damage and bodily injury that arises can arise out of your business operations.  Including advertising and personal injury.

Commercial Property and Auto – Commercial property covers losses that occur from perils such as fire, theft and storms.  Commercial Auto covers business vehicles and drivers.

Non-Profit – Liability, property and professional coverage all packaged into one neat policy for Non-Profits.

Errors and Omissions – Professional liability coverage that protects companies and their employees by claims made by clients for inadequate or negligent work.

Inland Marine / Equipment – Covers tools and equipment that go from place-to-place.  May include an Installation Floater which cover items delivered, buy not yet installed.

Directors and Officers – Reimbursements or advancements payable to the Directors and Officers or organization if organization suffers costs as a result of of lawful action or allegation brought against the company.

Business Owners Policy – This is a combined policy that offers greater coverage than a commercial package policy.

Bonds – There are a variety of surety bonds, that operate differently, including the most popular, Contractor’s.  Simply put, Bonds provide a guarantee.

Business Income Extra Expense – This type of insurance covers the loss of income due to a disaster related closing of the business.