Business Insurance

We Insure The Small Business Start-Up

To Established Multi-National Corporations

About Business Insurance

Whether you are a proud owner of an owner-operated business or oversee a multi-billion-dollar enterprise, you have come to the right place. At the D.O.K. Insurance Agency, we work with dozens of the most respected, financially strongest and dependable insurance companies. This allows us to help you find the insurance program that best fits your unique business.

While this page is aimed to help you find most of the information needed to better understand business insurance, we strongly recommend setting up a time for a free business insurance consultation. Even better, simply letting us give you guidance about your insurance needs will prompt us to make a donation to our charity of the quarter.

While we can write all types of insurance policies for businesses, we have created specific informational pages for the types of businesses we work with the most. If you don’t see your specific business type below, don’t hesitate to contact us directly for some free advice and guidance.

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SPECIFIC INDUSTRIES

APARTMENTS & CONDOS

AUTOMOTIVE INDUSTRY

CHURCHES

CONTRACTORS

E-COMMERCE

FARM & RANCH

HEALTH & BEAUTY

HEALTH & FITNESS

HOTELS/MOTELS

HUMAN SERVICES

JANITORIAL

LIMOS & LIVERY

MANUFACTURERS

MEDICAL PROFESSIONALS

NON-PROFITS

PROFESSIONALS

RESTAURANTS & BARS

RETAIL STORES

TECH COMPANIES

TRUCKING & DELIVERY

BUSINESS OWNER’S INSURANCE (BOP)

Insurance companies may offer policies that combine protection from many property and liability risks in one package. One package purchased by small and mid-sized businesses is the business-owners policy (BOP).

Businesses can modify a BOP to help meet their unique needs by changing some limits and by adding optional coverages like employment practices liability, cyber liability, business income for off-premises utility services and other specialized coverages to their BOP. A lot of small to mid-size businesses qualify for a BOP and should definitely consider this their starting point in protecting their company.

Here at the D.O.K. Insurance Agencies we work with a number of insurance companies to find the best BOP for your business. If your business doesn’t qualify, there are still other options to protect your business.

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COMMERCIAL AUTO INSURANCE

From a pickup truck used for a landscaping business to large commercial fleets and semi-trucks, we offer commercial auto insurance policies from multiple carriers to find you the best options. We understand how quickly a motor vehicle accident can turn a business upside down. Without the right coverage, your business could be left without a vehicle for a while, be sued for damages beyond your auto limits or have employee drivers be left uninsured.

We make it easy to make changes to your policy, receive certificates and get advice before and after filing a claim. Commercial auto insurance premiums have been rising in recent years due to higher claims cost. To further protect your business and future premiums, we offer various resources to improve your driver safety program.

Even if your business doesn’t own any vehicles, you might want to consider adding non-owned auto and hired auto to your insurance portfolio. Employer’s Non-Owned coverage provides Liability insurance when your employees occasionally use their own vehicles to run errands for your business. Hired auto offers liability to vehicles that your business or your employees lease, hire, borrow or rent in connection with your company.

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COMMERCIAL GENERAL LIABILITY INSURANCE

Whether you’re looking for protection for your company or are being required to obtain coverage by a client or government agency, we can provide options for commercial liability insurance for businesses of any size.

Commercial General Liability covers a wide range of liability exposures but has its limitations both how much it covers and what type of events. It is important to consider the needs of optional coverages such as employment practices (EPLI), liquor liability, tprofessional liability (E&O), and directors and officers (D&O). Harassment in the workplace and cyber breaches have become more common occurrences in today’s business world and the right risk management program can make all the difference. Please scroll down for more information.

General Liability Insurance is also referred to as “Business Liability Insurance” or “Commercial General Liability” (CGL) insurance. Whatever it is called, we can help you be covered for liability through the many of our carriers that we work with

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COMMERCIAL PROPERTY

Whether you own your building, lease your workspace or work at home, business property insurance protects your business’ physical assets. While losses like fire, theft and wind damage are generally covered by property insurance, there are important exceptions to keep in mind. The two most common ones are earthquake and flood, both of which can often be purchased separately.

Business property insurance is usually separated into two parts:

  1. Business property: This covers your building and permanently attached equipment.
  2. Business personal property: This covers your inventory, unattached equipment at your business and furniture amongst other things. It is important to be aware of the limitations and exclusions for equipment and tools that are taken outside the business (“on the road”) as it might have to be covered under and Inland Marine Policy.
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EMPLOYMENT PRACTICES LIABILITY (EPL)

Some of the largest companies and biggest celebrities have been in the news for different types of wrongful behavior. #METOO became a trending topic in 2017. Employers are facing increasing legal responsibilities while managing their workforce. Compliance with workplace laws is costly, requiring training, expertise, and continuous monitoring. Our EPL products are written to protect your company against damages for events relating to their workforce, such as sexual harassment, discrimination, wrongful termination, employment contract breach, failure to employ or promote, amongst other events.

Even though only the biggest cases and accusations make it on the news, any company that has employees needs to be protected.

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COMMERCIAL UMBRELLA

When a catastrophic liability loss occurs, an umbrella insurance policy could mean the difference between a company surviving, or not. Commercial Umbrella helps you protect your physical and financial assets by providing liability limits above and beyond your other insurance policies including your commercial auto limits. Think of it like an overdraft protection on your limits. Should your standard limits not be enough, the umbrella kicks in to cover additional coverage. Commercial umbrella limits can range from $1,000,000 to hundreds of millions of dollars.

A lot of business owners are surprised to hear that the average cost for reputational harm disputes is higher than customer injuries, auto accidents, product liability, and fire damage. Even if you are wrongfully sued it is crucial to have a solid defense team and strategy that could be provided by your insurance company.

You’ve poured your heart and soul into your business. Make sure it’s covered.

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CYBER LIABILITY

Traditional insurance policies have significant gaps in coverage for digital exposures and are often issued with broad exclusions. Data breach incidents are reported to be 29% higher than 2016, according to Identity Theft Resource Center and CyberScout, with hacking the leading cause of data breaches in the US.

The unfortunate truth is this trend has only gotten worse. This underscores the need for companies to take steps to manage their risk, prepare for data breach scenarios, and get Cyber Liability insurance protection. Without proper insurance and risk management in place, the cost of a data breach is significant. For example, the average cost of a data breach is $3.62 million globally, according to the 2017 Cost of a Data Breach Study: Global Overview from IBM Security and the Ponemon Institute. Healthcare data breaches cost organizations $380 per record, followed by financial services ($336 per capita), services ($274), life science ($264), and industrial ($259).

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