Business Insurance

Business Insurance the Easy Way!

Any business requires insurance to protect them from costs associated with lawsuits and property damage. If you do not have this type of insurance, you could end up paying for all the payments required for damages, for instance. If there are any legal claims against your business, you could easily rack up on debt.

There are various types of business insurance and owners should know which ones to get. Often, a business owner’s policy is suitable for all companies. This type combines coverage for property, liability and income.

Small business owners can also benefit from having workers’ compensation coverage. This type of financial support is given to employees if ever they meet an accident or illness because of work. For instance, you have an employee who had a back injury after lifting a heavy piece of equipment. This insurance will cover the medical cost of the worker.

Another type of insurance you may need as a business owner is Employer Practice Liability Insurance. It gives protection in case some workers are removed from their job even though they are not at fault.

Although more and more businesses begin to realize the importance of insurance for their company, many owners are still not happy to pay for it. Sometime you are not required to have insurance coverage but having it in place can protect you in critical situations.

The good news is that there are plenty of options available. Most states have a certain amount of insurance required, such as workers’s compensation. This type is often a requirement.

However, unfortunate events can happen, including theft, lost wages of your staff members, and injured workers. You may not be able to provide compensation for them out of your pocket. In this case, Insurance for your business becomes extremely important.

Saberlines Insurance offers easy, no hassle phone quotes for business insurance, to get a quote basic information is needed, quote is generated in minuets and ready to bind! we offer many options of payment, certificate of insurance is issued within the hour.

Contractors General Liability

Contractors can face numerous day to day challenges. You should be well prepared when calamities strike with insurance designed for contractors. This type of insurance involves various policies, but typically covers general contractors, including commercial liability and property.

There are different types of insurance, but it does not mean you have to get all of them. You only have to pick at least one that suites your situation and operations. An example is a general liability insurance that is typically useful for most contractors. Others also benefit from commercial property insurance, as well as the builders’s risk type of coverage, depending on the business itself.

You should select the policies that will work for you. You can bundle the insurance into your business owners’ policy so you can get the coverage you need at a discounted rate.

Often though, you will need the following to protect your job:

  • General Liability: This type of insurance will cover lawsuits your business can get from third parties.
  • Commercial Property: This type covers repairs or replacements you may have to make during instances when business property is damaged.

There are other types of commercial insurance products that you may encounter. However, it best to be knowledgeable about them first. This way, you understand which ones truly work for your business and its operations.

Contact us today for a quick quote. Apply now to shield your company against potential risks.

General Liability provide coverage for small to mid-sized contractors, commercial and residential work, and it contains the following endorsements:

  • Blanket Additional Insured endorsement.
  • Waiver of Subrogation.
  • Primary non contributory wording

Limits available up to $5,000,000 with A++ rated carrier, quote and issue over the phone, many payments option available.

We can offer coverage Extra's:

  • Sub-Contracted work up to 50% of total revenue.
  • Gross Sales up to $2,500,000.
  • No Limit on Payroll.
  • A++ Rated Insurance Carriers.
  • New Ventures are accepted.
  • No Exclusion for New Construction Work.
  • Full Occurrence based policy, not Claim based!
  • Primary Wording & Waiver of Subrogation at no extra charge.
  • Additional Insured with Completed Operations.

acceptable Classes!

  • Framing Contractors
  • B Licensed Remodeler
  • Handyman
  • Plumbers
  • Electricians
  • Painters
  • Janitorial
  • Carpet Cleaning
  • Door/Window Cleaning
  • Driveway/Paving
  • Masonry
  • Tile/Stone
  • Concrete
  • Fencing
  • Siding and more!

We Insure Contractors Equipment!

Coverage available for Contractors equipment for the following classes:

  • Excavation Contractor
  • Grading Contractor
  • Paving Contractor
  • Landscaping Contractor
  • Plumbing Contractor
  • HVAC Contractor
  • Electrical Contractor
  • Specialty Contractor

Restaurant package insurance

This program is offered by A rated carrier, is designed for family-friendly restaurants, fine dining, casual dining, fast casual, local grilles, private dining clubs, coverage includes general liability of $1 million/$2 million, liquor liability of $1 million/$1 million, and property coverage, workers comp insurance program for restaurants with delivery operations.

Special Events Insurance

Coverage available for conventions & fairs, conferences & meetings, festivals, weddings & shows, including host liquor liability and general liability up to $2 million

Workers Comp- Instant Rates available for some classes!

we can offer instant workers comp rates for the following classes of business!

  • Restaurants or Bar
  • Plumbing
  • Automobile Service or Repair
  • Building & Property Management
  • Real Estate Firms
  • Moving and Storage Companies
  • Heating and Air Conditioning
  • Janitorial Services by Contractors
  • Landscaping and Gardening
  • Local Trucking