December 11, 2017
Mutual Insurance Agency

Commercial Insurance

We offer insurance packages that are tailored for your church, school or nonprofit organization. Whether it is insurance for your building, business property, equipment, inventory or organization vehicles, we offer products and services to protect your business. In addition, we offer group health plans.

Property Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

  • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.

Commercial General Liability Insurance

Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

  • Premises and Operation
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

Since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

Business Auto Insurance

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos, vans, and buses. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that's right for you and your organization.

Workers' Compensation

Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment and is required by law. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers' Compensation provides for the payment of four types of benefits:

  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits

A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

Contact us today for more information about Commercial Insurance for your church, school, or organization or fill out our online quote form.

Click here for Frequently Asked Questions