Affordable Business Insurance to Fit Your Needs
Business insurance is a confusing topic! Blue Lion Insurance Advisors, LLC offers many types of affordable business insurance options to protect your company and assets.
We understand that your business insurance needs don’t fit into a neat little box. That’s why we take the time to get to know your business and offer only the protection you need to keep your business operating under any circumstance.
If you don’t know what type of insurance you need, that’s ok. We’re here to help! Give us a call at (732) 649-1600 and let us walk you through creating a customized policy!
Types of Business Insurance We Offer
Business Liability Insurance All businesses are vulnerable to lawsuits resulting from a myriad of different business activities. Business liability insurance will provide for the cost of immediate medical expenses, attorney fees, settlements, and judgments. With many moving parts, business liability insurance can be tailored to meet your specific needs.
General Liability Insurance As a business owner, you have certain responsibilities to your clients to provide quality services and products. General liability insurance provides a layer of protection between you and all the people you do business with including vendors and sub-contractors.
Employment Practices Liability Insurance If your business has employees, then you need protection from claims that may arise from employment practices. These types of claims include, but are not limited to, wrongful termination, harassment, and discrimination.
Professional Liability Insurance Providing protection from patients or clients while providing a service or advice, professional liability insurance protects from business claims, errors and omissions that are not traditionally covered by a general liability policy. Many different professions benefit from professional liability coverage for their business.
Workers Compensation Insurance When employees experience a work related injury or illness they could be entitled to compensation for lost wages and/or reimbursement of medical expenses. Workers compensation insurance comes in handy to regulate and investigate the validity of these claims and keep your business from being financial liable for these instances.
Cyber Security Insurance If your business collects and retains large amounts of customer personal data, then having a cyber security insurance policy is not a consideration it’s a must. Cyber security insurance doesn’t only protect against data breaches, it also helps in recovery efforts and any liabilities arising from a breach. This insurance can also be written into a business liability insurance policy. You can discuss all the options with one of our trusted advisors.
Franchisor and Franchisee Insurance In a franchise situation, both parties have certain expectations. It is important to protect yourself. Whether you are the franchisee or the franchisor, you need to make sure you have the coverage in place to meet the unique needs, risks, and exposures of franchise agreements.
Excess Liability Insurance More commonly known as business umbrella insurance, an excess liability policy will provide extra protection against limits or holes in your existing coverage. It is commonly used to cover exceptionally large events that have a low probability of happening.
Inland Marine Insurance Traditionally a type of insurance used for ocean transports, inland marine insurance now protects all types of transportation. There are also additional floater coverage options that protect more valuable cargo and specific types of transportation vehicles. Our risk advisors can help with determining your specific needs.
Business Auto Insurance This type of coverage is often needed when a business operates using a fleet of vehicles to conduct business. However, if your business has vehicle assets, you may want to consider adding business auto insurance to your policy.
Directors and Officers Insurance Protection for your businesses MVPs is a crucial part of your businesses insurance needs. This type of coverage will protect your decision makers from personal liability for any alleged or actual errors, omissions, or neglect.
Business Continuation Insurance Like the name indicates, this type of insurance is used to help you keep your business operating during times of a natural disaster, equipment damage, or vandalism. It prevents a loss from impacting your day to day operations and helps your business recover during times of loss.
Business Property Insurance Like homeowner’s insurance, business property insurance covers your building and its contents in the event of natural disasters, vandalism, theft, acts of terrorism, and even civil commotions.
Business Rental Property Insurance If your business owns and rents property, then you need protection for your assets and to limit your liability to trespassers and visitors alike in addition to liabilities due to loss of rents. Protect yourself with a good business rental property insurance.
Vacant Commercial Property Insurance A vacant building is more susceptible to vandalism, undetected damages, fire, and acts of God. Protect your investment with a vacant commercial property insurance. Our advisors can help you determine what types of coverage you need and the specific limits that will keep you protected.
Equipment Breakdown Insurance Businesses operate with a lot of different equipment, and with equipment comes breakdowns. Don’t let equipment failures stop your business activity. Investing in equipment breakdown insurance means that your business is protected against potential losses.
Risk Management Insurance Our advisors have the highest level of experience in assessing your current insurance risks and limits. Periodically reviewing your policies and coverages has the additional benefit of finding lower premiums and saves on out-of-pocket expenses. Our advisors will walk you through your risks and help you find better coverages for your business.
What Business Insurance Option Do I Choose?
You don’t need to be knowledgeable in insurance or know what options you need to protect your business.
Blue Lion is a trusted insurance advisor ready to help you understand the options and how they can help you protect your business.
Call one of our trusted advisors today! (732) 649-1600