Business insurance

Coverage for your business

Small Businesses

Coverages for your small business

As a business owner you are busy running your business. The last thing you want to worry about are the bad things that can happen. That is why we are here, we worry about those things so you don’t have to! We are here to guide you through the insurance process and find the coverages that fit your needs within your budget. We strive to make the process simple so you can concentrate on running your business. We deal with the best insurance companies in the business to make sure when something does happen you will be taken care of.

What coverages are right for you?

At Billups Snyder & Associates insurance for your business is our passion. We specialize in finding the coverages you need at the most cost effective terms. Let us review your insurance program with you.

More Coverages

We offer many different lines of coverage which include but are not limited to the coverages displayed.

A broad commercial policy that covers all liability exposures of a business that are not specifically excluded. Coverage includes product liability, completed operations, premises and operations, and independent contractors.

A policy that combines property, liability and business interruption coverages for small- to medium-sized businesses. Coverage is generally broader than if purchased through separate insurance policies.

Commercial coverage that reimburses a business owner for lost profits and continuing fixed expenses during the time that a business must stay closed while the premises are being restored because of physical damage from a covered peril, such as a fire. It also may cover financial losses that may occur if civil authorities limit access to an area after a disaster and their actions prevent customers from reaching the business premises. Depending on the policy, civil authorities coverage may start after a waiting period and last for two or more weeks.

Employment practices means an actual or alleged improper employment related practice, policy, act or omission involving actual or prospective employees including:

– Failing to hire or refusing to hiree
– Wrongful termination
– Failure to promote
– Wrongful disciplin
– Retaliation against employees for the exercise of legally protected right or for engaging in any legally protected activity
– Harassment, including “sexual harassment”
– Violation of any federal, state, or local laws.

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:

– Bodily injury liability, for injuries the policyholder causes to someone else.
– Property damage liability, for damage the policyholder causes to someone else’s property.
– Other than collision for damage to the policyholders vehicle not involving a collision with another vehicle. Such as theft, vandalism and falling objects typically subject to deductibles.
– Collision, for damage to the policyholder’s car from a collision, typically subject to deductibles.
– Comprehensive, for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
– Medical payments (MO) or Personal Injury Protection (PIP)(KS) for treatment of injuries to the driver and passengers of the policyholder’s vehicle. Regardless of fault.
– Uninsured motorists coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance or cannot be located.
– Underinsured motorist coverage, for bodily injury cost resulting from an accident involving a driver who does not have adequate limits of insurance.

A form of liability insurance protecting policy holders from claims in excess of their underlying limits of their primary auto, general liability, and workers compensation policies.

Insurance that pays for medical care and physical rehabilitation of injured workers and helps to replace lost wages while they are unable to work. Workers compensation policy could pay a death or dismemberment benefits to the worker or their estate. State laws, which vary significantly, govern the amount of benefits paid and other compensation provisions.

An instrument providing for monetary compensation should there be a failure to perform any specific acts within a stated period. This is not an insurance contract. The person or entity taking out the bond is responsible for all money owed.

A health insurance policy covering a group of individuals, usually employees of an organization, under one master policy.

Flood and Earthquake
Employee Benefits

Professional Liability