Coverage and risk management solutions for companies of all sizes.
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Business insurance provided by Valley Trust Insurance Group.
In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.
We know that you cannot outrun your risk, but you can be ready for it. What if a hurricane causes you to lose power to your building and your operations cease, or if a fire severely damages your building? You shouldn’t have to pay for this yourself, and with the right protection, you won’t have to. Our insurance advisors can help you identify gaps in coverage, look for ways to save money, and keep your assets and income protected.
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Which business insurance is right for your company?
Explore how having the right business insurance can protect your company from the unexpected.
Business Owners Policy (BOP)
Risk Factor
As a business owner, you've worked hard to build a solid business. But what happens when the unexpected happens? Are you covered?
Solution
A business owners policy is uniquely designed to protect your most important assets, including your business, its continuation, your employees, and your way of life. Discuss the details of this coverage with your agent and ensure that you're protected.
Errors and Omissions Liability (E&O)
Risk Factor
If you perform services for others, you are at risk of not doing the work correctly (errors) or not doing it at all (omissions). Lawsuits can arise claiming the error or omission harmed your client and caused them a financial loss.
Solution
Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions, or represents the needs of others. Ensure you have this important coverage if you perform services for clients.
Directors and Officers Liability Insurance (D&O)
Risk Factor
Directors and officers (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties. Any resulting lawsuits are typically expensive to defend, resulting in potentially large settlements.
Solution
Obtain comprehensive coverage to protect senior individuals of your company. Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.
Commercial Umbrella
Risk Factor
What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?
Solution
A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.
General Liability
Risk Factor
Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.
Solution
General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.
Crime and Fidelity Bond
Risk Factor
What will you do if one of your trusted employees is found guilty of doing something dishonest?
Solution
Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.
Environmental Insurance
Risk Factor
Could your business cause damage to the environment? If so, are you covered?
Solution
Environmental insurance provides protection if an environmental catastrophe occurs.
Systems Breakdown
Risk Factor
With technology performing many tasks in today's world, a breakdown can cause a significant financial burden, including the cost to repair the equipment, the interruption of your business, as well as any lost income and extra expenses.
Solution
Comprehensive coverage provides protection against equipment mechanical breakdown. Discuss the details of what's covered with your insurance agent.
Workers' Compensation and State Disability
Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Solution
State disability and workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you have it.
Business Auto Insurance
Risk Factor
An auto accident can cause bodily injury or property damage to others for which you are responsible, potentially putting your business in financial jeopardy.
Solution
Business auto insurance provides coverage for vehicles owned or leased by a commercial enterprise and provides coverage for bodily injury, property damage, and other coverages, and includes both comprehensive and collision coverage.
Employment Practices Liability Insurance (EPLI)
Risk Factor
On average, it's estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.
Solution
Obtain employment practices liability insurance to protect your business and its directors, officers. and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.
Cyber Liability
Risk Factor
The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers.
Solution
Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your businesses.
Business Income
Risk Factor
What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.
Solution
Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
Commercial Property
Risk Factor
Your business property is a significant financial investment. What if something happens to it?
Solution
Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Business Owners Insurance
A business owners policy combines business property and business liability insurance into one convenient policy. We'll work with you to design coverage that protects your business from a variety of risks, unique to you.
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General Liability Insurance
No matter the size and nature of your business, there are always uncertainties. We'll work with you to determine your business risks and we'll put together an insurance package that makes sense for your business.
Business Auto Insurance
Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.
Commercial Property Insurance
Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We'll partner with you to design insurance coverage that will protect your company's property.
Workers' Compensation Insurance
Workers' compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We'll work with you to find a solution that creates a safer and more productive workplace.
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Commercial Umbrella Insurance
Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We'll work with you to find the right umbrella solution to cover all your business needs.
Surety Bonds
A surety bond is a great way to guarantee that a large investment in a project is not lost—whether or not the work gets done. This type of insurance is especially common in the construction industry, and is often utilized for government contracts.
Inland Marine Insurance
Inland marine insurance is coverage that protects your business property while it's away from your business location. We'll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.