Business
“Our business is big enough to offer competitive commercial packages, but small enough to give you personalized service. We build long-term relationships with our clients.”
Eric Hartley
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A Lesson in Seaweed
Diane Bernard, owner of Outer Coast Seaweed Ltd., with Eric Hartley
Do you own a business? Are you covered?
Your business is unique. With years of experience in commercial insurance, Bill Hartley Insurance has the expertise to make sure you and your business are well protected from risk that could cripple or destroy your business and all your hard work. Regardless of how specialized or large the asset to insure--retail, office, contractors, wholesalers, unions, NGO-- we have the right insurance product for you: from a comprehensive business package, to a specifically tailored policy that covers your unique business needs.
We help you look at the whole picture, to make sure you are aware of all risk factors your business is exposed to. We offer competitive prices and insurance that is cost effective but we will not cut corners that would leave you vulnerable.
Business Packages
For businesses that qualify, a Business Package is the simplest and least-expensive way to get a very comprehensive array of coverages that will protect your business from the most common to the most obscure types of loss.
We have excellent packages for Business Owners, Retailers, Wholesalers, Trades Workers, Contractors, and Professionals. Give us a call; we would love to tell you more.
Custom Tailored Policies
If a Business Package is not the right solution for you, we will work with you to custom tailor a policy that will meet your needs. We have the experience and expertise to recommend the best solutions for your business. We only deal with well established, financially secure insurance companies that we know will be there for you, even in the worst disasters.
Professional Liability
Professional Liability, or Errors & Omissions (E&O) Liability protects you from claims for injury or damage arising from your professional service. Your Commercial General Liability (CGL) policy will always exclude any claims arising from providing or rendering a professional service, so this coverage is needed in addition to your CGL. We can provide coverage for all professions.
If you belong to a professional association they may have arranged a special group program of professional liability for all association members. We recommend you check with your association first because this is often the least expensive way to obtain coverage. If they do not already have one, we can organize a special group program to be offered through your association.
Commercial Property Insurance
Insurance is available for all types of commercial property. Properly structured Business Insurance will be designed to repair or replace your property as quickly as possible. In business, time is money, and you need to be back in business quickly.
We always complement our property coverage with Business Interruption coverage (see below) so if you do have to close down while repairs are completed, you will still have cash flow to meet your obligations.
Business Interruption Insurance
When your business is shut down from a burst pipe or a fire, your biggest loss may be to your present and future business income. There are many different kinds of Business Interruption Insurance to protect you. Understanding which is right for you is very important; we will take time to understand the intricacies of your business operations so we can recommend the best option.
Commercial Auto Insurance
If your business owns five or more vehicles, you can qualify for a fleet plan discount up to 63%. Call us for information on how to get your fleet discount started.
DID YOU KNOW?
If you have your vehicle insured under any of the commercial use categories (Artisan, Delivery, or general business use), your tools and equipment are not insured with your vehicle! You must arrange separate insurance for your business tools and equipment.
Business Life Insurance
The loss of a business owner, partner or key employee could have a serious impact on your business. Business life insurance is designed to protect the continuity of your business should such an event happen. We can help you prepare a succession plan that would enable your business to survive the death of a key person and help preserve the assets you have worked so hard to build.
Key person life insurance ensures your business will have the financial support it would need to survive the death of a key employee.
A Buy / Sell life insurance agreement will provide the funds necessary to purchase the interests of a deceased partner, co-owner or shareholder.
Business Disability Insurance
Proper planning for the protection of your business implies thinking of all eventualities. If an owner, partner or key employee should become ill or disabled, no life insurance policy would pay out. A business disability insurance policy is needed to give you the financial protection necessary to survive the disability or illness of an owner or key employee.
Ask about our Disability Overhead Expense Insurance, Disability buy and sell Insurance and Key Person Disability insurance.
Contact us for the competent advice and quality service you deserve.