COMMERCIAL HOME INSURANCE
No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible. We would like to return the favor by giving you the coverage you need to ensure the security of your business.
At Wollmuth Insurance, we are committed 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.
BUSINESS AUTO INSURANCE
If you own one or more vehicles for business use — perhaps a catering van or a landscaping truck — chances are that they are critical to making sure your daily operations run smoothly.
Since a personal auto insurance policy will not safeguard your vehicle in case of an accident. Commercial auto insurance is an absolute must. This form of insurance will cover you if an employee has an accident while driving a company vehicle and the victim sues, if an employee is injured in a vehicle and requires medical care, or if the auto ends up in the shop when you need to use it.
Commercial vehicles covered under such a policy include cars, vans, trucks, trailers and more.
Bodily Injury Liability: This will pay any damages due to bodily injury to others that you are responsible for. If for some reason you are sued, this will cover damages from this as well.
Property Damage Liability: This will pay damages due to property damage to others that you are responsible for. If for some reason you are sued, this will cover damages from this as well.
Personal Injury/Medical Payments: This coverage will pay medical and funeral expenses for bodily injury to a covered person sustained in an accident in your auto in most cases.
Collision: This coverage will pay for a car or vehicle under your policy that is damaged in a collision.
Comprehensive Coverage: This will pay for vehicles that are on your policy if they are stolen or damaged by causes other than collision.
Uninsured/Under-insured Motorists: This will pay for injuries, and in many circumstances property damage, if you are involved in an accident with another uninsured person.
Business Liability Coverage
Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. We can help you create a policy that is designed to safeguard the best interests of your business – so you can focus on serving your customers and increasing your profits.
Commercial General Liability 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.
- Premises Liability
- Products and Completed Operations
- Premises Medical
- Fire Legal Liability
- Casualty Coverage
Workers Compensation Insurance
Whether you own a small or large business, if a worker is harmed while doing their job, the business is responsible, for the most part. If this happens, the business must pay to cover medical needs and payment during the process of healing. If you do not have worker’s compensation, the business will have to pay out of pocket to cover these costs.
You can rest easy knowing that no surprise expenses will come out of an event like this. While no business ever wants to see an employee harmed in their line of work, it has been known to happen, so make sure you are covered. Wollmuth Insurance has plenty of insurance options for you and your business. We also have payment plans to fit your budget. Get covered today and lower your risk.
- An injured employee’s medical expenses/treatment
- The replacement of lost wages from injury time off
Rental Property Insurance
Being covered decreases your risk so that you do not have to worry about what could happen to your property. Decrease your risk and stay covered with rental property insurance from Wollmuth Insurance. We have tons of options including payment plans to fit your budget. We want to take some of the worry off your shoulders so that you can focus on what really matters. You will be able to rest easy knowing you have great coverage by Wollmuth Insurance.
- Additional Replacement Cost: In the event of a covered total loss, this additional protection will provide enough money to rebuild your home.
- Water Back-up: Provides coverage for damage caused by water entering your home through sewers or drains.
In order to decrease the risk associated with construction, such as injury, you need to be covered.
Wollmuth Insurance has a wide range of plans and coverage to lower risk. We can help you choose which plans and what types of coverage will benefit your business the most. If your business deals with vehicles on a regular basis, we even have plans that can cover them, and lower the risks that may affect your business because of them.
- Liability insurance
- Property insurance
- Business vehicle insurance
- Workers’ compensation
Builders Risk Insurance
Buildings and properties under development are exposed to a wide range of exposures that may not affect completed properties. For example, they are more exposed to weather damage from wind, hail, or rain, as well as threats of theft and vandalism. Builders Risk Insurance provides financial security for a project against these types of risks and more through the course of construction.
Structural Coverage: Buildings and other structures associated with the project are typically the largest financial exposure.
General Liability: Construction means people working in an environment where they’re at increased risk for injury.
Equipment & Materials Coverage: In addition to what’s being built, the equipment and materials being used for construction are also at risk for damage or loss.