BUSINESS

Business Insurance

In San Clemente, Dana Point, Orange County, and All of California

Protect your Investment

No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible.

General Insurance Services would like to return the favor by giving you the coverage you need to ensure the security of your business. 

 General Insurance Services would like to return the favor by giving you the coverage you need to ensure the security of your business. 

Protect your Investment

No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible.

General Insurance Services would like to return the favor by giving you the coverage you need to ensure the security of your business. 

 General Insurance Services would like to return the favor by giving you the coverage you need to ensure the security of your business. 

We Are Committed...

100% To Keeping Your Business Protected so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 

Bonds

Assurance for You and Your Business.

Owning a business means taking risks.

At General Insurance Services, we offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.

Talk With One Of Our Specialists

The professional and knowledgeable bond specialists at General Insurance Services will work with you to develop a business solution to help meet all of your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.

Our business solution services include:

  • Court Bonds
  • Conservator Bonds
  • Surety Bonds
  • Fidelity Bonds
  • Public Officials
  • Liquor Licenses
  • Performance Bonds
  • Contractor’s Bonds
  • ERISA Bonds
  • Fiduciary Bonds
  • Sub-Division Bonds

If you need a bond or license, contact a bond specialist at General Insurance Services today who can help you find the surety products that keep your business covered

We provide bonding and license services to businesses in San Clemente, Dana Point, San Juan Capistrano, Laguna Hills, Mission Viejo, and Laguna Beach.

CONTACT US

Bonds

Assurance for You and Your Business.

Owning a business means taking risks.

At General Insurance Services, we offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.

Talk With One Of Our Specialists

The professional and knowledgeable bond specialists at General Insurance Services will work with you to develop a business solution to help meet all of your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.

Our business solution services include:

  • Court Bonds
  • Conservator Bonds
  • Surety Bonds
  • Fidelity Bonds
  • Public Officials
  • Liquor Licenses
  • Performance Bonds
  • Contractor’s Bonds
  • ERISA Bonds
  • Fiduciary Bonds
  • Sub-Division Bonds

If you need a bond or license, contact a bond specialist at General Insurance Services today who can help you find the surety products that keep your business covered

We provide bonding and license services to businesses in San Clemente, Dana Point, San Juan Capistrano, Laguna Hills, Mission Viejo, and Laguna Beach.

CONTACT US

Business Catastrophe Insurance

Keep Your Business Protected

Business catastrophe insurance is an additional level of coverage that goes above and beyond the standard business policy most small and medium-sized companies have.

As a business owner, you want to be absolutely sure that your investments are protected in case of unforeseen calamity—nobody wants to see all of their hard work destroyed by fire, theft, or anything else.

However, every policy has its limits, and if the damage to your business is so severe that it exceeds the limits of your current business or property coverage, you'll be expected to pay the difference yourself.

Business Catastrophic Insurance Features

Business catastrophe insurance comes into play to prevent you from having to pay the excessive cost of a catastrophic loss.

If you exceed the normal limits and the claim is for a qualifying event, this coverage will provide an additional level of protection and reduce or eliminate the portion of the claim that you would otherwise have to pay out of your own pocket.

Here are the important things to know about this policy:

  • Business catastrophe insurance coverage amounts are proportional to individual business types and indemnity periods. Most companies purchase this policy and get at least one million dollars of coverage, just to be absolutely sure they have the protection they need if something goes extraordinarily wrong. Sometimes these extraordinary situations can arise due to the nature of a certain business, or because of a freak accident or natural disaster. One of our agents can help you determine an appropriate coverage length and amount.
  • This coverage may protect you from things your normal policies do not. While the specifics depend on the plan you get, business catastrophe insurance is usually offered as an umbrella policy that can cover almost anything that might occur.
  • This is the last resort, not the first. If a claim is covered by your normal policy and doesn't exceed those limits, your business catastrophe policy will not be utilized. Its main purpose is protecting you against particularly large claims, just in case something goes wrong and you truly need the extra protection

For more information about business catastrophe insurance, give General Insurance Services a call today.

CONTACT US

Business Catastrophe Insurance

Keep Your Business Protected

Business catastrophe insurance is an additional level of coverage that goes above and beyond the standard business policy most small and medium-sized companies have.

As a business owner, you want to be absolutely sure that your investments are protected in case of unforeseen calamity—nobody wants to see all of their hard work destroyed by fire, theft, or anything else.

However, every policy has its limits, and if the damage to your business is so severe that it exceeds the limits of your current business or property coverage, you'll be expected to pay the difference yourself.

Business Catastrophic Insurance Features

Business catastrophe insurance comes into play to prevent you from having to pay the excessive cost of a catastrophic loss.

If you exceed the normal limits and the claim is for a qualifying event, this coverage will provide an additional level of protection and reduce or eliminate the portion of the claim that you would otherwise have to pay out of your own pocket.

Here are the important things to know about this policy:

  • Business catastrophe insurance coverage amounts are proportional to individual business types and indemnity periods. Most companies purchase this policy and get at least one million dollars of coverage, just to be absolutely sure they have the protection they need if something goes extraordinarily wrong. Sometimes these extraordinary situations can arise due to the nature of a certain business, or because of a freak accident or natural disaster. One of our agents can help you determine an appropriate coverage length and amount.
  • This coverage may protect you from things your normal policies do not. While the specifics depend on the plan you get, business catastrophe insurance is usually offered as an umbrella policy that can cover almost anything that might occur.
  • This is the last resort, not the first. If a claim is covered by your normal policy and doesn't exceed those limits, your business catastrophe policy will not be utilized. Its main purpose is protecting you against particularly large claims, just in case something goes wrong and you truly need the extra protection

For more information about business catastrophe insurance, give General Insurance Services a call today.

CONTACT US

Business Owners Policy (BOP)

Combined Coverage for Special Advantages.

We Are Committed

At General Insurance Services, we’re committed to providing insurance solutions that keep small to medium-sized businesses protected.

That’s why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

Custom Coverage For You

A Business Owners Policy (BOP) from General Insurance Services allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs

The proper Business Owners Policy can keep your day-to-day operations protected with options such as:

  • Products and Completed Operations
  • Premises Liability
  • Premises Medical
  • Fire Legal Liability
  • Business Income Insurance
  • Building and Personal Property Protection
  • On-Site Equipment Insurance
  • Coverage for Inventory Loss
  • Crime Insurance

Find Out if Your Business is Eligible

Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at General Insurance Services who can help you determine whether a BOP is right for your small or medium-sized business.

We provide  Business Owners Policy in San Clemente, Dana Point, San Juan Capistrano, Laguna Hills, Mission Viejo, and Laguna Beach.

CONTACT US

Business Owners Policy (BOP)

Combined Coverage for Special Advantages.

We Are Committed

At General Insurance Services, we’re committed to providing insurance solutions that keep small to medium-sized businesses protected.

That’s why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

Custom Coverage For You

A Business Owners Policy (BOP) from General Insurance Services allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs

The proper Business Owners Policy can keep your day-to-day operations protected with options such as:

  • Products and Completed Operations
  • Premises Liability
  • Premises Medical
  • Fire Legal Liability
  • Business Income Insurance
  • Building and Personal Property Protection
  • On-Site Equipment Insurance
  • Coverage for Inventory Loss
  • Crime Insurance

Find Out if Your Business is Eligible

Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at General Insurance Services who can help you determine whether a BOP is right for your small or medium-sized business.

We provide  Business Owners Policy in San Clemente, Dana Point, San Juan Capistrano, Laguna Hills, Mission Viejo, and Laguna Beach.

CONTACT US

Commercial Auto Insurance

Peace of Mind for Businesses On the Road

We Understand The Risk

General Insurance Services understands the value of your commercial vehicles and the employees who drive them.

From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.

Be Prepared

To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more.

With Commercial Auto Insurance from General Insurance Services, we’ll work with you one-on-one to create a customized policy that may include:

  • Bodily Injury Liability
  • Medical Payments
  • Personal Injury Protection (PIP) Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • GAP Coverage
  • Uninsured and Underinsured Motorist Coverage

Additional Coverage

Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.

Since Commercial Auto Insurance coverage varies, it’s important to discuss your business’s options with a specialist at General Insurance Services who can help you determine the proper amount of coverage for all your commercial needs.

Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it’s protected with Commercial Auto policy from General Insurance Services.

CONTACT US

Commercial Auto Insurance

Peace of Mind for Businesses On the Road

We Understand The Risk

General Insurance Services understands the value of your commercial vehicles and the employees who drive them.

From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.

Be Prepared

To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more.

With Commercial Auto Insurance from General Insurance Services, we’ll work with you one-on-one to create a customized policy that may include:

  • Bodily Injury Liability
  • Medical Payments
  • Personal Injury Protection (PIP) Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • GAP Coverage
  • Uninsured and Underinsured Motorist Coverage

Additional Coverage

Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.

Since Commercial Auto Insurance coverage varies, it’s important to discuss your business’s options with a specialist at General Insurance Services who can help you determine the proper amount of coverage for all your commercial needs.

Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it’s protected with Commercial Auto policy from General Insurance Services.

CONTACT US

Commercial General Liability

Critical Assurance for the Protection of Your Business.

Running A Business Has Risk

Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you’re also accountable for keeping your employees and property insured from injuries and damages.

At General Insurance Services, we can help you create a policy that’s designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.

Be Covered

Commercial General Liability from General Insurance Services can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered.

 Coverages from General Insurance Services include:

  • Premises Liability
  • Products and Completed Operations
  • Premises Medical
  • Fire Legal Liability
  • Casualty Coverage

Auto Service Insurance

Other types of Commercial General Liability include Garagekeepers Liability and Employment Practices Liability. If you run an auto service operation, having Garagekeepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

  • Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
  • Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.
  • Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Since there are many types of liability coverages, it’s important to talk with a specialist at General Insurance Services about the best options for your business.

CONTACT US

Commercial General Liability

Critical Assurance for the Protection of Your Business.

Running A Business Has Risk

Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you’re also accountable for keeping your employees and property insured from injuries and damages.

At General Insurance Services, we can help you create a policy that’s designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.

Be Covered

Commercial General Liability from General Insurance Services can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered.

 Coverages from General Insurance Services include:

  • Premises Liability
  • Products and Completed Operations
  • Premises Medical
  • Fire Legal Liability
  • Casualty Coverage

Auto Service Insurance

Other types of Commercial General Liability include Garagekeepers Liability and Employment Practices Liability. If you run an auto service operation, having Garagekeepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

  • Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
  • Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.
  • Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Since there are many types of liability coverages, it’s important to talk with a specialist at General Insurance Services about the best options for your business.

CONTACT US

Commercial Property Insurance

Protection for Your Business Itself.

You Strive To Grow Your Business

Let us strive to protect your growth. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity.

That’s why it’s important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.

Be Covered

With a custom Property Insurance policy from General Insurance Services, you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss.

Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:

  • Your building
  • All interior items (desks, furniture, etc.)
  • Any outdoor signs on your property
  • On-site equipment
  • Your inventory

Additional Coverage

Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage.

Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling.

Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met. To find out more about combining coverages, contact General Insurance Services today.

CONTACT US

Commercial Property Insurance

Protection for Your Business Itself.

You Strive To Grow Your Business

Let us strive to protect your growth. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity.

That’s why it’s important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.

Be Covered

With a custom Property Insurance policy from General Insurance Services, you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss.

Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:

  • Your building
  • All interior items (desks, furniture, etc.)
  • Any outdoor signs on your property
  • On-site equipment
  • Your inventory

Additional Coverage

Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage.

Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling.

Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met. To find out more about combining coverages, contact General Insurance Services today.

CONTACT US

Commercial Real Estate Insurance

Commercial real estate insurance protects you from losses caused by damage to property assets.

Most businesses are vulnerable to the same threats as every other building:

  • fire
  • flooding
  • vandalism
  • being struck by a vehicle

As A Business Owner

Many of these problems are something that cannot be reasonably prevented, making them eligible for coverage that can help repair the building or allow your company to move to a new location.

Commercial Real Estate Insurance Features

As the owner of a business, you know how difficult it is to run a smooth operation. The last thing you need is a disaster that damages your workplace so badly that you can no longer continue operating.

Before you start shopping, though, here are a few things to keep in mind:

  • The first thing you should do is take stock of the company's physical assets. This includes your building, any paper records, inventory, office equipment, signs located outside, and anything else that qualifies as a physical asset.
  • You may not need to insure everything the business owns. If you decide something is not worth insuring, removing it from your policy could lower your monthly premiums and make it easier to insure what truly matters.
  • Most policies cover either the replacement cost (RC) or the actual cash value (ACV) of the insured items. Policies that include replacement cost are more expensive, but allow for full replacement without calculating any depreciation. Actual cash value policies consider the loss of value over time, and factor this difference in to any claims on the policy.

If you're not sure which policy options make the most sense for your company, ask one of our agents for more information and they'll help you make a decision.

CONTACT US

Commercial Real Estate Insurance

Commercial real estate insurance protects you from losses caused by damage to property assets.

Most businesses are vulnerable to the same threats as every other building:

  • fire
  • flooding
  • vandalism
  • being struck by a vehicle

As A Business Owner

Many of these problems are something that cannot be reasonably prevented, making them eligible for coverage that can help repair the building or allow your company to move to a new location.

Commercial Real Estate Insurance Features

As the owner of a business, you know how difficult it is to run a smooth operation. The last thing you need is a disaster that damages your workplace so badly that you can no longer continue operating.

Before you start shopping, though, here are a few things to keep in mind:

  • The first thing you should do is take stock of the company's physical assets. This includes your building, any paper records, inventory, office equipment, signs located outside, and anything else that qualifies as a physical asset.
  • You may not need to insure everything the business owns. If you decide something is not worth insuring, removing it from your policy could lower your monthly premiums and make it easier to insure what truly matters.
  • Most policies cover either the replacement cost (RC) or the actual cash value (ACV) of the insured items. Policies that include replacement cost are more expensive, but allow for full replacement without calculating any depreciation. Actual cash value policies consider the loss of value over time, and factor this difference in to any claims on the policy.

If you're not sure which policy options make the most sense for your company, ask one of our agents for more information and they'll help you make a decision.

CONTACT US

Commercial Umbrella Insurance

Extra Protection that Keeps You in Business.

As a Business Owner

Keeping your business insured is one of the most important financial decisions you can make.

But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances, or even your operations.

Protection From Lawsuits

With Commercial Umbrella Insurance from General Insurance Services, you can protect your business and your assets in the event that your company gets sued in a major lawsuit.

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory. Major lawsuits are a result of accidents that occur either on or off the premises of your business.

The following are examples of situations where Commercial Umbrella coverage can safeguard your business:

  • Accidental falls or slips on your property
  • A carbon monoxide leak in your building
  • Libel, slander, or invasion of privacy
  • If one of your products causes injury or illness
  • If a fire in your building damages other property
  • Violations of Employment Practices Liability
  • If your business vehicle is involved in an accident

How Much Umbrella Coverage is Enough?

 Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options.

That’s why at General Insurance Services, our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.

Protect your business personally and financially with a Commercial Umbrella policy from General Insurance Services.

CONTACT US

Commercial Umbrella Insurance

Extra Protection that Keeps You in Business.

As a Business Owner

Keeping your business insured is one of the most important financial decisions you can make.

But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances, or even your operations.

Protection From Lawsuits

With Commercial Umbrella Insurance from General Insurance Services, you can protect your business and your assets in the event that your company gets sued in a major lawsuit.

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory. Major lawsuits are a result of accidents that occur either on or off the premises of your business.

The following are examples of situations where Commercial Umbrella coverage can safeguard your business:

  • Accidental falls or slips on your property
  • A carbon monoxide leak in your building
  • Libel, slander, or invasion of privacy
  • If one of your products causes injury or illness
  • If a fire in your building damages other property
  • Violations of Employment Practices Liability
  • If your business vehicle is involved in an accident

How Much Umbrella Coverage is Enough?

 Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options.

That’s why at General Insurance Services, our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.

Protect your business personally and financially with a Commercial Umbrella policy from General Insurance Services.

CONTACT US

Equipment Insurance

Keep Your Equipment Protected.

We Will Be There For You, When Your Tools Aren't

Most businesses rely on common or specialized forms of equipment to complete work and create products.

You cannot work if your equipment is not working, and equipment that operates poorly can affect the quality of your work. Equipment vital to your business success needs to be protected with insurance.

Protection From Costly Damages

Consider whether or not your business could afford to replace stolen equipment or critical business machines damaged by fires, floods, and other weather emergencies, such as tornadoes. Without insurance, even simple events like a power surge or an employee error could cause major damage and imperil your business.

The following are examples of situations where Commercial Umbrella coverage can safeguard your business:

  • Accidental falls or slips on your property
  • A carbon monoxide leak in your building
  • Libel, slander, or invasion of privacy
  • If one of your products causes injury or illness
  • If a fire in your building damages other property
  • Violations of Employment Practices Liability
  • If your business vehicle is involved in an accident

Equipment Insurance Features

Equipment insurance covers you when equipment breaks down. The insurance can cover the cost to repair or replace the equipment, as well as other costs involved in getting your business operational again.

 Your computers and electronics, for instance, are considered equipment and can be covered in the same policy.

Loss Of Business Income

Loss of business income should be part of a proper policy in case loss occurs due to equipment failure. Insurance can cover the cost to replace spoiled stock, or raw material that was ruined by an equipment malfunction.

Equipment insurance or business interruption insurance can cover loss of income due to something as indirect as a website going down for an extended period, if you depend on the site for customer orders.

Call a General Insurance Services agents today to find out how we can help you make sure all your equipment is covered.

We can show you how to keep your business running in the event of an equipment failure. Ultimately, we will help you stay in business when your equipment threatens to put you out of business.

CONTACT US

Equipment Insurance

Keep Your Equipment Protected.

We Will Be There For You, When Your Tools Aren't

Most businesses rely on common or specialized forms of equipment to complete work and create products.

You cannot work if your equipment is not working, and equipment that operates poorly can affect the quality of your work. Equipment vital to your business success needs to be protected with insurance.

Protection From Costly Damages

Consider whether or not your business could afford to replace stolen equipment or critical business machines damaged by fires, floods, and other weather emergencies, such as tornadoes. Without insurance, even simple events like a power surge or an employee error could cause major damage and imperil your business.

The following are examples of situations where Commercial Umbrella coverage can safeguard your business:

  • Accidental falls or slips on your property
  • A carbon monoxide leak in your building
  • Libel, slander, or invasion of privacy
  • If one of your products causes injury or illness
  • If a fire in your building damages other property
  • Violations of Employment Practices Liability
  • If your business vehicle is involved in an accident

Equipment Insurance Features

Equipment insurance covers you when equipment breaks down. The insurance can cover the cost to repair or replace the equipment, as well as other costs involved in getting your business operational again.

 Your computers and electronics, for instance, are considered equipment and can be covered in the same policy.

Loss Of Business Income

Loss of business income should be part of a proper policy in case loss occurs due to equipment failure. Insurance can cover the cost to replace spoiled stock, or raw material that was ruined by an equipment malfunction.

Equipment insurance or business interruption insurance can cover loss of income due to something as indirect as a website going down for an extended period, if you depend on the site for customer orders.

Call a General Insurance Services agents today to find out how we can help you make sure all your equipment is covered.

We can show you how to keep your business running in the event of an equipment failure. Ultimately, we will help you stay in business when your equipment threatens to put you out of business.

CONTACT US

Errors and Omissions Insurance

Extra Protection that Keeps You in Business.

Mistakes Happen

Errors and omissions refer to mistakes, negligence, or discrepancies in a business’s accounting records, which can possibly be interpreted as fraud and lead to legal action. Keeping your business insured is one of the most important financial decisions you can make.

Business owners and executives have several legal and financial responsibilities that accompany their roles, and if they fail to fulfill these responsibilities by inaccurately reporting income, errors and omissions insurance will reimburse a business for problems arising from these fiduciary oversights.

Errors and omissions claims have been trending higher in recent years, with multiple million dollar lawsuits being filed more frequently than ever before. Accordingly, most businesses need to have appropriate coverage amounts to be sure they're protected if a large claim is filed.

What E&O Insurance Covers

Policies can vary, but most forms of errors and omissions insurance cover the following. Note that some industries don't need all of the coverage mentioned below, while others may need additional coverage because of the nature of their operations.

  • Claims and Damages: These are one of the major sources of potential loss that your company faces. E&O protection on claims can reimburse you for any payouts you may have to make as a result of such claims being filed.
  • Defense Costs: Whether or not you win a case, your attorney is going to expect payment. E&O insurance can reimburse you for their fees, allowing you to hire professional support without worrying that it will be too expensive for you to afford.
  • Employees, Temporary Staff, and Independent Contractors: You may be liable for the actions that anyone associated with your business takes—whether or not they're an employee. This part of the policy protects you if they make a mistake.
  • Negligence: Often considered one of the most important parts of E&O coverage, negligence coverage can reimburse you for problems like making a mistake while giving advice or failing to complete a job. Whatever the cause of the problem, ensuring you're covered will help protect your business if something goes wrong.

Errors and omissions policies payouts vary among companies depending on the possible severity of financial mishaps. If you're not sure how much of a cap your business should have in each category, call one of General Insurance Services agents today and ask them for more information. You may need to increase your policy cap as your business grows, and we can help you decide when it's time to raise the limit.

  1. Oxford Reference, s.v. “errors and omissions,” www.oxfordreference.com/view/10.1093/oi/authority.20110803095756997?rskey=tDNztO&result=1
  2. "Why Consumer Trust Is the Key to Repeat Business." The Wise Marketer. January 2005. Accessed April 18, 2016. http://www.thewisemarketer.com/features/read.asp?id=54.
  3. "Claims Trends." Insurance Journal News. November 03, 2014. Accessed April 18, 2016. http://www.insurancejournal.com/magazines/features/2014/11/03/345153.htm.

Errors and Omissions Insurance

Extra Protection that Keeps You in Business.

Mistakes Happen

Errors and omissions refer to mistakes, negligence, or discrepancies in a business’s accounting records, which can possibly be interpreted as fraud and lead to legal action. Keeping your business insured is one of the most important financial decisions you can make.

Business owners and executives have several legal and financial responsibilities that accompany their roles, and if they fail to fulfill these responsibilities by inaccurately reporting income, errors and omissions insurance will reimburse a business for problems arising from these fiduciary oversights.

Errors and omissions claims have been trending higher in recent years, with multiple million dollar lawsuits being filed more frequently than ever before. Accordingly, most businesses need to have appropriate coverage amounts to be sure they're protected if a large claim is filed.

What E&O Insurance Covers

Policies can vary, but most forms of errors and omissions insurance cover the following. Note that some industries don't need all of the coverage mentioned below, while others may need additional coverage because of the nature of their operations.

  • Claims and Damages: These are one of the major sources of potential loss that your company faces. E&O protection on claims can reimburse you for any payouts you may have to make as a result of such claims being filed.
  • Defense Costs: Whether or not you win a case, your attorney is going to expect payment. E&O insurance can reimburse you for their fees, allowing you to hire professional support without worrying that it will be too expensive for you to afford.
  • Employees, Temporary Staff, and Independent Contractors: You may be liable for the actions that anyone associated with your business takes—whether or not they're an employee. This part of the policy protects you if they make a mistake.
  • Negligence: Often considered one of the most important parts of E&O coverage, negligence coverage can reimburse you for problems like making a mistake while giving advice or failing to complete a job. Whatever the cause of the problem, ensuring you're covered will help protect your business if something goes wrong.

Errors and omissions policies payouts vary among companies depending on the possible severity of financial mishaps. If you're not sure how much of a cap your business should have in each category, call one of General Insurance Services agents today and ask them for more information. You may need to increase your policy cap as your business grows, and we can help you decide when it's time to raise the limit.

  1. Oxford Reference, s.v. “errors and omissions,” www.oxfordreference.com/view/10.1093/oi/authority.20110803095756997?rskey=tDNztO&result=1
  2. "Why Consumer Trust Is the Key to Repeat Business." The Wise Marketer. January 2005. Accessed April 18, 2016. http://www.thewisemarketer.com/features/read.asp?id=54.
  3. "Claims Trends." Insurance Journal News. November 03, 2014. Accessed April 18, 2016. http://www.insurancejournal.com/magazines/features/2014/11/03/345153.htm.

Inland Marine Insurance

Off-Site Protection for Your Valued Assets.

Protect Your Investment

Your products and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it’s important to keep your investments protected.

With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.

At General Insurance Services, we’re dedicated to providing the coverage your business needs for the asset protection it deserves. 

Our Inland Marine policy insures that when your business is on the move, we’ll protect certain items, such as:

  • Transported Property
  • Computer Equipment and Data
  • Contractor’s Tools
  • Artwork
  • Buildings Under Construction

What Inland Marine Can Do for Your Business

No matter what business you’re in, an accident can happen at any time. That’s why it’s important to have an Inland Marine policy from General Insurance Services to provide your business with the appropriate coverage it needs during transit

Since Inland Marine covers items outside of your standard Business Property Insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’s goods or equipment when transported by ocean and air, also known as Ocean Marine.

Contact an Inland Marine specialist at General Insurance Services today to find out how your business can insure its most valuable assets while working or traveling off-site.

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Inland Marine Insurance

Off-Site Protection for Your Valued Assets.

Protect Your Investment

Your products and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it’s important to keep your investments protected.

With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.

At General Insurance Services, we’re dedicated to providing the coverage your business needs for the asset protection it deserves. 

Our Inland Marine policy insures that when your business is on the move, we’ll protect certain items, such as:

  • Transported Property
  • Computer Equipment and Data
  • Contractor’s Tools
  • Artwork
  • Buildings Under Construction

What Inland Marine Can Do for Your Business

No matter what business you’re in, an accident can happen at any time. That’s why it’s important to have an Inland Marine policy from General Insurance Services to provide your business with the appropriate coverage it needs during transit

Since Inland Marine covers items outside of your standard Business Property Insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’s goods or equipment when transported by ocean and air, also known as Ocean Marine.

Contact an Inland Marine specialist at General Insurance Services today to find out how your business can insure its most valuable assets while working or traveling off-site.

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Office Insurance

Protect Your Office

If your office space and the property therein is damaged, office insurance can provide reimbursement for those costs and allow you to continue operating.

As a business owner, you want to protect all the hard work you've put into creating a functioning company. A business isn't just the products you put on the shelves—it's your intellectual property, your office space, and your computers and valuable equipment

Problems with any of these elements could result in losses, and that's why having office insurance is so important.

Office Insurance Package Features

General Insurance Services agents can help you determine which coverages apply to you and your business, therefore helping you create a policy that perfectly fits your office insurance needs.

Most office insurance plans include the following:

  • Commercial Real Estate Insurance: This policy covers your property and income, including the cost of repairs, replacements, and any interruptions of your business.
  • Equipment Insurance: If your company uses equipment (computers, manufacturing machines, etc.), a breakdown could quickly grind your business to a halt. This policy offers reimbursement for your expenses, allowing you to get your equipment repaired without worrying about the cost.
  • Cyber Liability Insurance: Technology is about more than having a few computers in the office—it’s about software, data (including customer information), and even the external services your company might rely on. Cyber liability insurance can reimburse you for mistakes and losses, like a data breach, that occur as a result of using technology.

Talk With A Specialist

Different companies have different insurance needs, so don't hesitate to talk to one of our agents and ask if there's anything else that should be added to your office insurance policy.

Be sure to let us know about anything particularly innovative that you're doing with your building, since that might not be covered by a standard policy. 

We want you to be able to move forward with the confidence that comes from knowing your office is protected.

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Office Insurance

Protect Your Office

If your office space and the property therein is damaged, office insurance can provide reimbursement for those costs and allow you to continue operating.

As a business owner, you want to protect all the hard work you've put into creating a functioning company. A business isn't just the products you put on the shelves—it's your intellectual property, your office space, and your computers and valuable equipment

Problems with any of these elements could result in losses, and that's why having office insurance is so important.

Office Insurance Package Features

General Insurance Services agents can help you determine which coverages apply to you and your business, therefore helping you create a policy that perfectly fits your office insurance needs.

Most office insurance plans include the following:

  • Commercial Real Estate Insurance: This policy covers your property and income, including the cost of repairs, replacements, and any interruptions of your business.
  • Equipment Insurance: If your company uses equipment (computers, manufacturing machines, etc.), a breakdown could quickly grind your business to a halt. This policy offers reimbursement for your expenses, allowing you to get your equipment repaired without worrying about the cost.
  • Cyber Liability Insurance: Technology is about more than having a few computers in the office—it’s about software, data (including customer information), and even the external services your company might rely on. Cyber liability insurance can reimburse you for mistakes and losses, like a data breach, that occur as a result of using technology.

Talk With A Specialist

Different companies have different insurance needs, so don't hesitate to talk to one of our agents and ask if there's anything else that should be added to your office insurance policy.

Be sure to let us know about anything particularly innovative that you're doing with your building, since that might not be covered by a standard policy. 

We want you to be able to move forward with the confidence that comes from knowing your office is protected.

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What is Product Liability Insurance?

Product Liability

As the owner of a business, you are liable for any products you manufacture or sell—and if somebody is hurt as a result of using the product, you may be at fault for the incident. When you ask for coverage from our agency, we will determine the likelihood of a lawsuit being brought against you as a result of one of your products being used.

Lower Liability Risk

Our experts can identify the risks associated with your products or services and appropriately scale a policy to cover those risks. We can also offer advice on how to make your products less prone to risk. This may involve modifying your product, packaging it differently, or changing any instructions and warnings included with the product. When done well, these precautions can help reduce the company's liability and stop customers from using the product in an unsafe way.

What Does It Cover ?

Product liability insurance mainly covers the legal obligations of a company. This may include payments like:

  • Court fees
  • Legal defense costs
  • Personal injury awards
  • Out-of-court settlements
  • Miscellaneous fees that may occur during any of the above

Do I Need Liability Insurance ?

If your company manufactures or sells any kind of product, it is strongly recommended that you have some form of liability coverage.


 Even products that are widely regarded as 'safe' can malfunction in a way that causes harm to the user, and defending against a lawsuit is usually expensive enough that many companies (and claimants) prefer to simply settle out of court.


Product liability insurance can reimburse you for expenses (including defense costs and settlements) that occurred during this process.

Product liability cases that go to court are among the most expensive forms of personal injury cases, and as of 2013 these cases had an average payout of more than $6 million.


All companies that obtain this type of coverage are encouraged to have a policy limit higher than the median payout—anything less makes it likely that your company will suffer significant losses if a jury decides against you.

If you feel any of these forms of coverage are missing from your policy, or if you are starting a business and need product liability coverage, speak to a General Insurance Services agent or request a quote today. 

  1. Ross, Kenneth. "The Role of Product Instructions in Product Liability Prevention." In Compliance. April 30, 2015. Accessed April 18, 2016. http://incompliancemag.com/article/the-role-of-product-instructions-in-product-liability-prevention/.
  2. "Settle Your Personal Injury Claim." AllLaw.com. Accessed April 18, 2016. http://www.alllaw.com/resources/personal-injury/settle-your-personal-injury-claim.
  3. "Product Liability." III. Accessed April 18, 2016. http://www.iii.org/fact-statistic/product-liability.


What is Product Liability Insurance?

Product Liability

As the owner of a business, you are liable for any products you manufacture or sell—and if somebody is hurt as a result of using the product, you may be at fault for the incident. When you ask for coverage from our agency, we will determine the likelihood of a lawsuit being brought against you as a result of one of your products being used.

Lower Liability Risk

Our experts can identify the risks associated with your products or services and appropriately scale a policy to cover those risks. We can also offer advice on how to make your products less prone to risk. This may involve modifying your product, packaging it differently, or changing any instructions and warnings included with the product. When done well, these precautions can help reduce the company's liability and stop customers from using the product in an unsafe way.

What Does It Cover ?

Product liability insurance mainly covers the legal obligations of a company. This may include payments like:

  • Court fees
  • Legal defense costs
  • Personal injury awards
  • Out-of-court settlements
  • Miscellaneous fees that may occur during any of the above

Do I Need Liability Insurance ?

If your company manufactures or sells any kind of product, it is strongly recommended that you have some form of liability coverage.


 Even products that are widely regarded as 'safe' can malfunction in a way that causes harm to the user, and defending against a lawsuit is usually expensive enough that many companies (and claimants) prefer to simply settle out of court.


Product liability insurance can reimburse you for expenses (including defense costs and settlements) that occurred during this process.

Product liability cases that go to court are among the most expensive forms of personal injury cases, and as of 2013 these cases had an average payout of more than $6 million.


All companies that obtain this type of coverage are encouraged to have a policy limit higher than the median payout—anything less makes it likely that your company will suffer significant losses if a jury decides against you.

If you feel any of these forms of coverage are missing from your policy, or if you are starting a business and need product liability coverage, speak to a General Insurance Services agent or request a quote today. 

  1. Ross, Kenneth. "The Role of Product Instructions in Product Liability Prevention." In Compliance. April 30, 2015. Accessed April 18, 2016. http://incompliancemag.com/article/the-role-of-product-instructions-in-product-liability-prevention/.
  2. "Settle Your Personal Injury Claim." AllLaw.com. Accessed April 18, 2016. http://www.alllaw.com/resources/personal-injury/settle-your-personal-injury-claim.
  3. "Product Liability." III. Accessed April 18, 2016. http://www.iii.org/fact-statistic/product-liability.


Professional Liability

Mistakes Happen.

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim

We Help Fix The Mistake

At General Insurance Services, we understand that mistakes happen. That’s why we’re committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

What Does Professional Liability Cover?

While it’s important for your business to have general liability coverage for property damage and bodily injury, General Insurance Services recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.


Directors and Officers Liability (D & O) - Having financial protection for your business’s Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.


Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.


Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Contact a representative with General Insurance Services today to prevent mistakes and errors from becoming major losses for your business.

CONTACT US

Professional Liability

Mistakes Happen.

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim

We Help Fix The Mistake

At General Insurance Services, we understand that mistakes happen. That’s why we’re committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

What Does Professional Liability Cover?

While it’s important for your business to have general liability coverage for property damage and bodily injury, General Insurance Services recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.


Directors and Officers Liability (D & O) - Having financial protection for your business’s Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.


Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.


Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Contact a representative with General Insurance Services today to prevent mistakes and errors from becoming major losses for your business.

CONTACT US

Small Business Insurance

Your small businesses needs many types of coverage in order to adequately secure itself against losses in the event of certain common business casualties.

 Common elements of small business insurance include:

  • General Liability Insurance: This policy covers a business against claims arising from problems like libel, slander, medical expenses, property damage, medical expenses, and the cost of defending against a lawsuit.
  • Product Liability Insurance: If you deal with a product - whether it's manufacturing, retailing, wholesaling, or just distributing it - you may be responsible for keeping it (and people in the area around it) safe. The amount required depends mainly on the products involved - the larger and/or heavier the products are, the more coverage is needed.
  • Professional Liability Insurance: Similarly, if you provide any kind of professional service, you may need coverage for errors, malpractice, and negligence. Some companies are required to have this type of coverage (especially, though not exclusively, those in the medical field).
  • Commercial Property Insurance: If your small business owns any kind of physical property (an office, a retail store, a warehouse, etc.), this coverage insures it against a wide variety of natural and man-made forms of damage. If your business is particularly vulnerable to a certain type of damage (flooding, vandalism, etc.), you may need additional coverage for that specific problem.
  • Home-Based Insurance: If you're running a business from your home, then your homeowner's insurance probably doesn't cover any of your business operations. You may need to purchase additional coverage separately, or as an extension of your existing plan. Speak to a General Insurance Services agents to find out.

Speak With A Specialist

Many other industry-specific forms of coverage are available. For more information about what policies are the most important for your business, talk to one of our agents and ask for a full risk assessment. You can research forms of insurance through reputable sources—this information is available for free online, courtesy of groups like the National Association of Insurance Commissioners.

Insurance Requirements For Small Businesses

All small businesses are required to have Workers' Compensation, Unemployment Insurance, and sometimes Disability Insurance. Other requirements for small business insurance vary by industry, as well as local, state, and federal law.

What Constitutes A Small Business ?

The exact definition of a small business varies by industry, but according to the Small Business Administration, it's usually 500 employees or less for mining or manufacturing, and $7.5 million or less in revenue for other industries. Note that there are many exceptions to this rule, and they are listed in detail on the Small Business Administration's website.

Small Business Insurance

Your small businesses needs many types of coverage in order to adequately secure itself against losses in the event of certain common business casualties.

 Common elements of small business insurance include:

  • General Liability Insurance: This policy covers a business against claims arising from problems like libel, slander, medical expenses, property damage, medical expenses, and the cost of defending against a lawsuit.
  • Product Liability Insurance: If you deal with a product - whether it's manufacturing, retailing, wholesaling, or just distributing it - you may be responsible for keeping it (and people in the area around it) safe. The amount required depends mainly on the products involved - the larger and/or heavier the products are, the more coverage is needed.
  • Professional Liability Insurance: Similarly, if you provide any kind of professional service, you may need coverage for errors, malpractice, and negligence. Some companies are required to have this type of coverage (especially, though not exclusively, those in the medical field).
  • Commercial Property Insurance: If your small business owns any kind of physical property (an office, a retail store, a warehouse, etc.), this coverage insures it against a wide variety of natural and man-made forms of damage. If your business is particularly vulnerable to a certain type of damage (flooding, vandalism, etc.), you may need additional coverage for that specific problem.
  • Home-Based Insurance: If you're running a business from your home, then your homeowner's insurance probably doesn't cover any of your business operations. You may need to purchase additional coverage separately, or as an extension of your existing plan. Speak to a General Insurance Services agents to find out.

Speak With A Specialist

Many other industry-specific forms of coverage are available. For more information about what policies are the most important for your business, talk to one of our agents and ask for a full risk assessment. You can research forms of insurance through reputable sources—this information is available for free online, courtesy of groups like the National Association of Insurance Commissioners.

Insurance Requirements For Small Businesses

All small businesses are required to have Workers' Compensation, Unemployment Insurance, and sometimes Disability Insurance. Other requirements for small business insurance vary by industry, as well as local, state, and federal law.

What Constitutes A Small Business ?

The exact definition of a small business varies by industry, but according to the Small Business Administration, it's usually 500 employees or less for mining or manufacturing, and $7.5 million or less in revenue for other industries. Note that there are many exceptions to this rule, and they are listed in detail on the Small Business Administration's website.

Coverage for Your Business Surety Bonds

Small Business Coverage

Your primary goal as a business owner is to ensure that your operations run smoothly and efficiently on a daily basis. But in special circumstances, the performance of your business may require extra attention that assures an obligee that you, the principal, are performing as promised.

At General Insurance Services, we specialize in providing bonding services that help to protect the integrity of your business. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.

Types of Surety Bonds

General Insurance Services can write a variety of Surety Bonds, including:

  • Performance and Payment Bonds
  • Contractor Bonds
  • Sub-Division Bonds
  • Court Bonds
  • Conservator Bonds
  • Fidelity Bonds
  • Public Officials
  • Liquor Licenses

Since there are many types of Surety products, it’s important to discuss your options with a licensed, professional bond agent.

Our underwriting services are flexible to meet your unique business needs, and we specialize in a high-degree of customer care that will ensure maximum consideration for your assets.

CONTACT US

Coverage for Your Business Surety Bonds

Small Business Coverage

Your primary goal as a business owner is to ensure that your operations run smoothly and efficiently on a daily basis. But in special circumstances, the performance of your business may require extra attention that assures an obligee that you, the principal, are performing as promised.

At General Insurance Services, we specialize in providing bonding services that help to protect the integrity of your business. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.

Types of Surety Bonds

General Insurance Services can write a variety of Surety Bonds, including:

  • Performance and Payment Bonds
  • Contractor Bonds
  • Sub-Division Bonds
  • Court Bonds
  • Conservator Bonds
  • Fidelity Bonds
  • Public Officials
  • Liquor Licenses

Since there are many types of Surety products, it’s important to discuss your options with a licensed, professional bond agent.

Our underwriting services are flexible to meet your unique business needs, and we specialize in a high-degree of customer care that will ensure maximum consideration for your assets.

CONTACT US

Trailer Insurance

Coverage

We all know how important it is to keep our vehicles insured—in fact, except for New Hampshire, having auto liability coverage is required by state law. However, that car insurance coverage doesn't always extend to trailers being towed behind your vehicle, so trailer insurance can be used to fill this gap.

Having this form of insurance is more useful than people may realize. According to a report by the National Highway Traffic Safety Administration, rear-end collisions are the single most common type of crash and account for roughly 29% of all incidents.

This means that trailers are exposed to a high degree of risk, especially when drivers can't effectively see vehicles in the lane behind them.

Never Pay Out of Pocket

As a driver, you want to keep your vehicles and passengers safe. There's only so much you can do to prevent a collision, but with the right coverage plan, you can ensure that you're not going to find yourself paying out of pocket if a problem occurs.

Trailers Covered By Insurance

Most trailers can be insured, regardless of whether they're being used for private or commercial purposes. Exceptions to this are rare, and are generally limited to trailers that are considered too high-risk to insure. If you're unsure whether your trailer qualifies for coverage, call General Insurance Services and ask for more information.

Trailer types that are usually covered include:

  • Horse trailers
  • Camping trailers
  • Car trailers
  • Boat trailers
  • Cargo trailers
  • Bicycle trailers
  • Semi-trailers
  • ...and many others

What's Covered

Most plans for trailer insurance include, but do not require, all of the following

  • Liability Coverage: This form of insurance covers costs associated with property damage or bodily injury done to other people. Your existing vehicle liability coverage may or may not extend to your trailer—if not, this will need to be purchased separately or added to the main coverage.
  • Collision Coverage: If your trailer is damaged during a collision, this policy can help pay for repairs (regardless of whether or not you're at fault).
  • Comprehensive Coverage: This part of trailer insurance deals with damage to the trailer. Damage can come from many different sources. Fire, severe weather, vandalism, and water damage are among the most common uses for this coverage.
  • Contents Coverage: If your trailer is being used to carry and store personal items (clothes, furniture, etc.), this policy can help replace them in the event they're stolen, damaged, or destroyed. For especially large shipments, you might consider cargo and freight insurance.

Please be aware that trailer insurance is not the same as commercial trailer insurance, which is designed for vehicles being used for business purposes (including the transport of products) and covers different liabilities.

  1. "Compulsory Auto/Uninsured Motorists." III. April 2016. Accessed April 18, 2016. http://www.iii.org/issue-update/compulsory-auto-uninsured-motorists.
  2. "Analyses of Rear-End Crashes and Near-Crashes in the 100-Car Naturalistic Driving Study to Support Rear-Signaling Countermeasure Development." Naturalistic Driving Studies | National Highway Traffic Safety Administration (NHTSA). 2007. Accessed April 18, 2016. http://www.nhtsa.gov/DOT/NHTSA/NRD/Multimedia/PDFs/Crash Avoidance/2007/Analyses of Rear-End Crashes and Near-Crashes (DOT HS 810 846).pdf.
  3. "Commercial Trailer Insurance | DMV.org." DMV.org. Accessed April 18, 2016. http://www.dmv.org/insurance/types-of-commercial-trailers-to-insure.php.

If you have a trailer that needs insurance, call General Insurance Services today to find out the specifics of the coverage and begin protecting your investment.

CONTACT US

Trailer Insurance

Coverage

We all know how important it is to keep our vehicles insured—in fact, except for New Hampshire, having auto liability coverage is required by state law. However, that car insurance coverage doesn't always extend to trailers being towed behind your vehicle, so trailer insurance can be used to fill this gap.

Having this form of insurance is more useful than people may realize. According to a report by the National Highway Traffic Safety Administration, rear-end collisions are the single most common type of crash and account for roughly 29% of all incidents.

This means that trailers are exposed to a high degree of risk, especially when drivers can't effectively see vehicles in the lane behind them.

Never Pay Out of Pocket

As a driver, you want to keep your vehicles and passengers safe. There's only so much you can do to prevent a collision, but with the right coverage plan, you can ensure that you're not going to find yourself paying out of pocket if a problem occurs.

Trailers Covered By Insurance

Most trailers can be insured, regardless of whether they're being used for private or commercial purposes. Exceptions to this are rare, and are generally limited to trailers that are considered too high-risk to insure. If you're unsure whether your trailer qualifies for coverage, call General Insurance Services and ask for more information.

Trailer types that are usually covered include:

  • Horse trailers
  • Camping trailers
  • Car trailers
  • Boat trailers
  • Cargo trailers
  • Bicycle trailers
  • Semi-trailers
  • ...and many others

What's Covered

Most plans for trailer insurance include, but do not require, all of the following

  • Liability Coverage: This form of insurance covers costs associated with property damage or bodily injury done to other people. Your existing vehicle liability coverage may or may not extend to your trailer—if not, this will need to be purchased separately or added to the main coverage.
  • Collision Coverage: If your trailer is damaged during a collision, this policy can help pay for repairs (regardless of whether or not you're at fault).
  • Comprehensive Coverage: This part of trailer insurance deals with damage to the trailer. Damage can come from many different sources. Fire, severe weather, vandalism, and water damage are among the most common uses for this coverage.
  • Contents Coverage: If your trailer is being used to carry and store personal items (clothes, furniture, etc.), this policy can help replace them in the event they're stolen, damaged, or destroyed. For especially large shipments, you might consider cargo and freight insurance.

Please be aware that trailer insurance is not the same as commercial trailer insurance, which is designed for vehicles being used for business purposes (including the transport of products) and covers different liabilities.

  1. "Compulsory Auto/Uninsured Motorists." III. April 2016. Accessed April 18, 2016. http://www.iii.org/issue-update/compulsory-auto-uninsured-motorists.
  2. "Analyses of Rear-End Crashes and Near-Crashes in the 100-Car Naturalistic Driving Study to Support Rear-Signaling Countermeasure Development." Naturalistic Driving Studies | National Highway Traffic Safety Administration (NHTSA). 2007. Accessed April 18, 2016. http://www.nhtsa.gov/DOT/NHTSA/NRD/Multimedia/PDFs/Crash Avoidance/2007/Analyses of Rear-End Crashes and Near-Crashes (DOT HS 810 846).pdf.
  3. "Commercial Trailer Insurance | DMV.org." DMV.org. Accessed April 18, 2016. http://www.dmv.org/insurance/types-of-commercial-trailers-to-insure.php.

If you have a trailer that needs insurance, call General Insurance Services today to find out the specifics of the coverage and begin protecting your investment.

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Transportation Insurance

Protection From Losses

Transportation insurance covers a wide array of business transportation needs. If you are in the transportation business, you understand the importance of having your vehicles in running condition and protecting yourself from losses caused by accidents and natural disasters.

While some companies are in the transportation business, transportation is, for others, only a part of the overall picture of the business. Even companies with minimal transportation needs should invest in insuring both the goods they convey and the means of that conveyance.

Transportation Policy Features

Whether you ship goods by road, air, or sea, or are in the towing business, you need insurance for unexpected events that create problems for your business. The goods you transport could get damaged despite your efforts to pack them properly. Your vehicle could be involved in an accident through no fault of your own. And while the vehicle itself may be insured, that does not guarantee the contents—or materials you are shipping—are covered.

So whether you have a fleet of vehicles or just one truck you use to haul items as a part of the whole business, the principle is the same. Adequate insurance allows you to continue business as usual if something bad happens.

If you are an existing customer, we can review your policy to make sure you have complete coverage and your coverage is up to date.

If you are a new customer, General Insurance Services can provide the transportation insurance coverage you need to protect your business.

Contact our office today and find out what we can do to help you with your transportation insurance needs.

CONTACT US

Transportation Insurance

Protection From Losses

Transportation insurance covers a wide array of business transportation needs. If you are in the transportation business, you understand the importance of having your vehicles in running condition and protecting yourself from losses caused by accidents and natural disasters.

While some companies are in the transportation business, transportation is, for others, only a part of the overall picture of the business. Even companies with minimal transportation needs should invest in insuring both the goods they convey and the means of that conveyance.

Transportation Policy Features

Whether you ship goods by road, air, or sea, or are in the towing business, you need insurance for unexpected events that create problems for your business. The goods you transport could get damaged despite your efforts to pack them properly. Your vehicle could be involved in an accident through no fault of your own. And while the vehicle itself may be insured, that does not guarantee the contents—or materials you are shipping—are covered.

So whether you have a fleet of vehicles or just one truck you use to haul items as a part of the whole business, the principle is the same. Adequate insurance allows you to continue business as usual if something bad happens.

If you are an existing customer, we can review your policy to make sure you have complete coverage and your coverage is up to date.

If you are a new customer, General Insurance Services can provide the transportation insurance coverage you need to protect your business.

Contact our office today and find out what we can do to help you with your transportation insurance needs.

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Workers Compensation

We Value Employees

General Insurance Services understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they’re properly protected.

But should an accident happen, having the right Workers Compensation plan from General Insurance Services can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

Workers Compensation can cover financial obligations such as:

  • An injured employee’s medical expenses/treatment
  • The replacement of lost wages from injury time off

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages.

That’s why it’s important to discuss your options with a specialist at General Insurance Services who can help you find the right coverage options for all your business needs.

CONTACT US

Workers Compensation

We Value Employees

General Insurance Services understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they’re properly protected.

But should an accident happen, having the right Workers Compensation plan from General Insurance Services can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

Workers Compensation can cover financial obligations such as:

  • An injured employee’s medical expenses/treatment
  • The replacement of lost wages from injury time off

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages.

That’s why it’s important to discuss your options with a specialist at General Insurance Services who can help you find the right coverage options for all your business needs.

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Van Insurance

Variety of Coverages

There are many types of van insurance that offer different options depending upon your needs. General Insurance Services agents specialize in many types of commercial insurance and will give you a quote that both provides the coverage your van needs, and is cost effective.

At General Insurance Services, we specialize in providing bonding services that help to protect the integrity of your business. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.

Van Insurance Features

Our commercial auto coverage for vans and hauling vehicles includes:

  • Liability insurance to cover damage you cause to other people, vehicles, or property.
  • Collision coverage to cover damage you cause to your own vehicle, such as running into a tree.
  • Comprehensive coverage to cover vehicle theft and damage from falling objects, fire, glass, animals and some natural disasters.
  • Medical payment insurance to provide some limited coverage for injury to you and others, including some funeral coverage.
  • Uninsured motorist coverage that gives you coverage if the other motorist involved in an accident has no insurance.
  • Towing or roadside assistance for the cost of towing, tire changing, a dead battery, and similar roadside repairs. This feature includes road service for breakdowns.
  • Rental Reimbursement to cover the cost of renting a vehicle while yours is in the shop after an accident.
  • Other forms of insurance can be purchased as add-ons, such as coverage of your tools in your van. These additions are, generally, relatively inexpensive.
  • Umbrella policies
  • are available that can increase your coverage over the basic liability limits.

Van insurance requires an agent and insurance company knowledgeable in business insurance lines and commercial auto coverage. You need someone who understands the needs and necessities of companies that depend on their transportation capabilities and vehicles to thrive.

Whether it's for an individual vehicle or a fleet, call a commercial insurance professional at General Insurance Services today for your options and a competitive price quote.

CONTACT US

Van Insurance

Variety of Coverages

There are many types of van insurance that offer different options depending upon your needs. General Insurance Services agents specialize in many types of commercial insurance and will give you a quote that both provides the coverage your van needs, and is cost effective.

At General Insurance Services, we specialize in providing bonding services that help to protect the integrity of your business. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.

Van Insurance Features

Our commercial auto coverage for vans and hauling vehicles includes:

  • Liability insurance to cover damage you cause to other people, vehicles, or property.
  • Collision coverage to cover damage you cause to your own vehicle, such as running into a tree.
  • Comprehensive coverage to cover vehicle theft and damage from falling objects, fire, glass, animals and some natural disasters.
  • Medical payment insurance to provide some limited coverage for injury to you and others, including some funeral coverage.
  • Uninsured motorist coverage that gives you coverage if the other motorist involved in an accident has no insurance.
  • Towing or roadside assistance for the cost of towing, tire changing, a dead battery, and similar roadside repairs. This feature includes road service for breakdowns.
  • Rental Reimbursement to cover the cost of renting a vehicle while yours is in the shop after an accident.
  • Other forms of insurance can be purchased as add-ons, such as coverage of your tools in your van. These additions are, generally, relatively inexpensive.
  • Umbrella policies
  • are available that can increase your coverage over the basic liability limits.

Van insurance requires an agent and insurance company knowledgeable in business insurance lines and commercial auto coverage. You need someone who understands the needs and necessities of companies that depend on their transportation capabilities and vehicles to thrive.

Whether it's for an individual vehicle or a fleet, call a commercial insurance professional at General Insurance Services today for your options and a competitive price quote.

CONTACT US

Coverage For Your Employees

Protection & Assurance for Your Employees

Your business is a multifaceted machine that requires protection at every level. The people who make your business go deserve the assurance that they are covered at all costs.

At General Insurance Services, we understand that quality coverage options for your employees will ensure that your business attracts and maintains the best workers.

We work hard to provide the best protection plans for businesses and their employees. 

Our coverage options for employees include:

  • Disability Insurance
  • Employer-Sponsored Retirement
  • Group Disability Insurance
  • Group Benefits
  • Individual Life Insurance
  • Retiree Health Coverage
  • Voluntary Benefits
  • And much more …

That’s why it’s important to discuss your options with a specialist at General Insurance Services who can help you find the right coverage options for all your business needs.

CONTACT US

Coverage For Your Employees

Protection & Assurance for Your Employees

Your business is a multifaceted machine that requires protection at every level. The people who make your business go deserve the assurance that they are covered at all costs.

At General Insurance Services, we understand that quality coverage options for your employees will ensure that your business attracts and maintains the best workers.

We work hard to provide the best protection plans for businesses and their employees. 

Our coverage options for employees include:

  • Disability Insurance
  • Employer-Sponsored Retirement
  • Group Disability Insurance
  • Group Benefits
  • Individual Life Insurance
  • Retiree Health Coverage
  • Voluntary Benefits
  • And much more …

That’s why it’s important to discuss your options with a specialist at General Insurance Services who can help you find the right coverage options for all your business needs.

CONTACT US
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