General Liability

As a business owner, you are potentially liable for every product, service, and operation relating to your business. While sound procedures may be stressed throughout your organization, the fact remains that no person or machine is perfect. In spite of your best efforts, harm caused to a third party relating to your business could lead to litigation.

The Solution

Commercial liability insurance is designed to protect business owners and assets from a variety of exposures. It can cover liability arising from accidents on or off premises, to products sold by the insured that result in injury to the user, to contractual liability, leaving an owner free to concentrate on managing their business.

Commercial liability insurance pays for expenses such as attorney's fees, witness fees, and police reports. The coverage goes beyond the basic expenses of a legal defense to cover any reasonable expenses the business owner may incur at the insurance company's request to assist in the planning of their defense. The liability policy will also fund the premium for any bond the court requires, ensuring that the judgment will be paid if the business owner is found legally liable for an injury or property damage.

• PROPERTY DAMAGE
• BODILY INJURY
• PERSONAL INJURY
• LIQUOR LIABILITY

Property

Imagine that a fire breaks out and you lose your entire inventory. Or your business is burglarized causing physical damage and possibly lost assets. Your ability to recover from these incidents is dependent on your commercial property insurance.

The Solution

In case of catastrophes like fire, explosion, theft, or vandalism, property insurance helps cover your costs, whether it's to repair damaged property or replace what you've lost. In addition, property coverage can provide business interruption income if a covered loss forces you to close your business for an extended period of time. Protecting your business property insures your peace of mind if a disaster occurs.

• Building and Personal Property
• Builders Risk
• Business Income
• Extra Expense
• Legal Liability

Transportation

Leavitt Insurance Agency consistently delivers responsive and creative solutions to its customers' unique transportation-related insurance needs. We offer a full complement of specialty coverages, including automobile liability, general liability, physical damage, garage liability, motor truck cargo, workers compensation and more.

Commercial Umbrella

Worried about a catastrophic claim depleting your future income and business assets? Every business is vulnerable to devastating losses and lawsuits that could possibly exceed your primary insurance coverage.

The Solution

Worry less about an unexpected event by supplementing your existing general, auto, and liability limits with an umbrella liability policy. This coverage is relatively inexpensive and provides additional protection for your business investment.

Here's how it works: Umbrella coverage, sometimes know as excess, extends the limits of your liability coverages to protect against larger, more catastrophic claims. This coverage takes effect when your underlying policy limits have been exceeded. The umbrella basically affords you with a convenient, inexpensive way to increase your overall limits.

Business Auto

Imagine you were involved in an accident in your personal vehicle while engaged in company business. Did you know your personal insurance may not cover you?

What if you have employees on the road making service calls to customers? What coverage do they have?

Also consider if your company's valuable equipment is within a vehicle and that property is lost or stolen...is it covered? A typical auto insurance policy usually does not cover these types of risks.

The Solution

Commercial auto insurance provides valuable protection for your company-owned vehicles, leased or rented vehicles, and your employees' vehicles used for business purposes. Major coverages are the same as with personal auto insurance. Auto insurance pays for damages due to an accident, or damages caused by fire, theft, flood, and vandalism. It also provides liability coverage for injuries to people and property damage when you are at fault in an accident.

Downtime due to vehicle mishaps can results in lost profits. Protecting your commercial vehicle fleet with business auto insurance will aid in minimizing downtime and preserving your bottom line.

Flood/Earthquake

Your basic insurance policy does not protect you against damage from earthquakes and floods. Whether you are in a high-risk area or moderate-to-low risk area, you should consider adding earthquake and flood insurance to your policy. More than half of all flood claims occur in areas considered to have low flood exposure, and each year there are around 5,000 earthquakes in the United States. Don't wait until it's too late – ask us about flood and earthquake insurance and start protecting your property today.