Business Insurance

As your business grows so does the chance of litigation. A minor claim to a small business could mean the difference between turning the lights on for another day and filing bankruptcy. It’s important to acquire the right type and amount of insurance for your business to avoid gaps in coverage. Regardless of size or specialty, GLM can find you the best business insurance that fits your business needs.

Business Owners Policy

Business owners insurance provides a convenient way of protecting your business's physical and financial assets in a package that covers both liability and property damage.

Liability

Protects against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.

Property

Provides funds to repair or replace your damaged assets for disasters like vandalism, fire, or windstorms. It covers losses to commercial buildings, equipment, furniture, fixtures, inventories, business records and other real business related property.

Workers' Compensation

Provides employees' medical coverage in case of an accident on the job.

Commercial Auto

Provides protection for your fleet in case of an accident and ensures your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.

Business Crime

Provides protection against fraud, theft, forgery or robbery.

Medical Payments

Covers medical expenses resulting from injury to others on property you own or rent.

Umbrella

Provides extra coverage against bodily injury and/or property damage your business s found liable for. The coverage begins when your general liability, commercial auto liability or other liability coverage has reached its limits.

 

Bonds

A bond is designed to guarantee the principal’s performance and financial responsibility, as well as compliance with a law or contract. There are many types and at GLM we can provide the right bond for your need.

Contract Surety

They provide assurance to a project owner that a contractor will perform the work and pay specified subcontractors, laborers and material suppliers. These bonds range from Bid to Performance Bonds.

Commercial Surety

Required by state laws and statutes they guarantee the principal will comply with the laws, codes, or regulations set forth by the municipality.

 

Professional Liability

Professional Liability or errors and Omissions Insurance (E&O) provide coverage in the event a client is harmed by the advice or service you provided and you are held legally liable. It covers for negligence, defense cost or for services previously performed.

 

Are you properly covered?

Every business is unique and so are your insurance needs. Having the right coverage can prevent a lawsuit from turning your dream into a nightmare. Contact us and let GLM review and discuss coverage options available to help protect your business.