When you run a business, risk is part of the job.
We help you manage it!
The insurance professionals at the Emil Rummel Agency
work with you to make sure your business is ready for
every new opportunity and challenge. As independent agents, we have access to many insurance companies and programs. As things change, we stay on top of which company or program is best for you so you don't have to worry about paying too much for your insurance.
There is a wide variety of business policies available today. Below is a very short summary of the types of business insurance you might need. For a consultation with an experienced professional, please contact our office.
Property and Liability Insurance
Property insurance will help make you "whole" (put you back to the position you were in before the loss) for physical damage and loss to your property and income. Liability insurance will help protect your business assets in the event you are sued.
Commercial Auto Insurance
A motor vehicle that is customarily used in the business, profession, or occupation of its owner should be covered on a commercial auto policy. This class of vehicle includes many types, including private passenger company autos, panel and pickup trucks, vans, semis and trailers.
Workers' compensation insurance guards business owners from potential financial ruin if an employee is injured on the job. It also helps injured employees return to work quickly with little or no loss of income. Employers pay all of the costs of workers' compensation insurance.
Directors and Officers
We live in a society in which we depend upon individuals to volunteer or fulfill their duties as corporate leaders. Directors and officers of various for-profit, and not-for-profit organizations may be held responsible for actual or alleged wrongful acts, errors or omissions. According to a recent survey, the number of suits filed against directors and officers of for-profit and non-profit organizations is rising at a rate of 15% to 20% annually. These claims can threaten the financial security of the individual director or officer as well as the organization they serve. A Directors and Officers policy can respond by paying for legal fees and awarded damages.