General Liability insurance is likely the first policy you consider for your business. It’s the rock to ensure your existence against insurance liabilities. From start-ups to large-scale operations, General Liability Insurance is required by landlords, partners and clients. Protect your business assets when visitors get injured on your property or by your product, when a third party accuses you of libel or slander, or when a lawsuit results from these types of third-party damages.
Commercial property insurance is used to cover any commercial property from such perils as fire, theft, and natural disaster. Are you a manufacturer, retailer, service-oriented business, or not-for-profit organizations? Commercial property is generally bundled together with other forms of insurance, such as commercial general liability insurance. At The Crismore Agency our professionals are experts at evaluating your needs without overselling your budget! Make sure you are covered. Just call us at 314-480-3720 for a no-obligation quote .
Worker’s Compensation is a publicly sponsored system that pays monetary benefits to workers who become injured or disabled in the course of their employment. Worker’s compensation is a type of insurance that offers employees compensation for injuries or disabilities sustained as a result of their employment. Are you required to carry Workman’s Comp Insurance? When are you planning on finding out? Most compensation plans offer coverage of medical fees related to injuries incurred as a direct result of employment. Worker’s Comp is not the same as unemployment benefits or disability insurance. Get the details from The Crismore Agency!
The business automobile coverage provides insurance for your company’s cars, trucks, trailers, vans or other vehicles. The Crismore Agency helps businesses review the different coverage options available to enabling them to select coverage that meets their company’s needs while keeping costs to a minimum. The business auto coverage typically includes two coverages: auto liability and physical damage. Other overages and coverage amendments may be added by an endorsement. Let us help you navigate your companies unique auto coverage.
A cyber and privacy insurance coverage policy may provide companies with protection from losses resulting from a data breach or the loss of electronically-stored confidential information. Cyber and privacy insurance policies are designed to protect a company from the activities of hackers and other individuals or groups who may gain access to company-stored personal identifying information. Do you take credit cards, handle medical information, collect and store purchase information, maintain records of Social Security numbers or have educational data? This type of information is most prone to identity theft attacks. Cyber coverage is SMART because it does not take much to create a breach. We’ve written 1000’s of these policies… And paid out on several as well! The Crismore Agency knows Cyber!
Chances are slim that you will lose a lawsuit for a sum greater than what your existing insurance will pay… But if that ever happens you could lose everything. Business Umbrella insurance is designed to make sure you never find yourself living that nightmare. Umbrella insurance coverage covers injury to others or damage to their possessions but excludes a business owners property. And it is considerably cheaper than other types of insurance. Let us quote your Umbrella policy!
This is can be a critical and significant policy to cover the lives of vital personnel to a business. Typically, the company is the beneficiary of the plan and pays the insurance policy premiums. This type of life insurance is also known as “key man insurance,” “key woman insurance” or “business life insurance.” This insurance is needed if executive’s death or inability to work would be devastating to the future of the company. It can also be used to fund Buy/Sell agreements with partnerships or as a benefit to a Key employee. There are lots of strategic applications for Key Person Life Insurance.
For all of those areas that may need a little extra coverage or require special scheduling, you can rely on The Crismore Agency to have your best interests at heart. From jewelry to collectibles to event insurance, Specialty Insurance covers those properties and situations rarely considered except when the time comes. We live in a wide open environment. Expect the unexpected. Prepare for the unforeseen. It happens. Talk with friendly insurance professional at The Crismore Agency.