Commercial Business Insurance

The best way to protect your company’s assets is to find an insurance company that understands your business needs. 
We offer competitively priced insurance products and more to protect your business:

These products are combined with local loss control services to help you prevent losses and claim services to get your business back on its feet in the event of a claim.

We offer industry-specific products to combine the most needed property and liability coverages for those businesses. Special group programs offer enhanced protection and targeted loss control services for selected classes of businesses. Excess and surplus lines coverage is available through EMC Underwriters, LLC.

Business automobile - is essential for companies with business-owned vehicles. Our program rewards safety-conscious policyholders with the best coverage around.

• Business Auto
• Truckers' Policy
• Garage Keepers / Tire Dealers
• Select Auto Dealership Program
• Used Auto Dealership Program
• Foreign Commercial Hired and Non-owned Auto Liability

Crime - coverages are available to protect your business in a variety of circumstances.

• Premises Burglary
• Robbery and Safe Burglary
• Office Burglary and Robbery
• Storekeepers' Burglary and Robbery
• Theft, Disappearance and Destruction
• Employee Dishonesty

General liability - coverage helps minimize the impact of an expensive lawsuit on your business operations.

• Employment-Related Practices Liability
• Owners' or Contractors' Protective Liability
• Premises-Operations Liability
• Products-Completed Operations Liability
• Composite Rating for General Liability
• Employee Benefit Liability

Commercial inland marine - applies to a variety of miscellaneous but important exposures.

• Inland Marine
• Special Programs
• Minicomputer Coverage
• Sign Coverage
• Bailer Coverage

Workers' compensation - covers employees injured on the job.

• Small and large deductible plans
• Multi-State coverage
• Specialized claim service
• Loss prevention
• Competitive Pricing
• Hazard work comp claims

Standard fire - policies help minimize your risk.

• Standard Fire Policy with optional endorsements
• Comprehensive Glass Coverage 50/50 retention plan
• Optional Business Income Coverages
• Actual Loss Sustained Business Income

Property -

With a commercial property policy, three types of property are covered: the building, your business personal property and the personal property of others. 

Business Personal Property -

Business personal property coverage includes, but is not limited to, furniture and fixtures, machinery and equipment, stock, all other personal property owned and used in the business, labor, materials or services furnished or arranged on personal property of others, and leased personal property that an owner has a contractual responsibility to insure.

Personal Property of Others -

Personal property of others coverage provides protection for owners who ordinarily hold property for the benefit of both parties, such as dry cleaners or processing firms. If the property being held is damaged or destroyed, protection is available, subject to policy terms.

Please refer to your actual policy for a complete list of losses not insured and policy exclusion.

Ask an Agent at Johannes Agency for more on which Commercial Insurance product is right for you!