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Business Insurance
Business insurance is a crucial tool for protecting your company from financial losses due to unexpected events. It covers a range of risks, including property damage, liability claims, employee injuries, and potential lawsuits. Common types of business insurance include general liability, professional liability, and workers' compensation. By mitigating these risks, business insurance helps ensure the stability and continuity of your operations, allowing you to focus on growth and success
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Business Liability Insurance
Protecting your business from the impact of potential customer lawsuits should be the first order of business. And while only a precisely crafted liability insurance policy can shield your business from this expense and stress, it’s usually the last thing business owners handle. Liability insurance is appropriate for any business that could face potential lawsuits. There are four types that you may fit your needs
- Personal Liability
- Business Liability
- Professional Liability
- Public Liability
Commercial Auto Insurance
Protecting your business from the impact of potential customer lawsuits should be the first order of business. And while only a precisely crafted liability insurance policy can shield your business from this expense and stress, it’s usually the last thing business owners handle. Liability insurance is appropriate for any business that could face potential lawsuits. There are four types that you may fit your needs
- Personal Liability
- Business Liability
- Professional Liability
- Public Liability
Commercial Property Insurance
Commercial property insurance can protect your business – from a minor setback to catastrophic loss. Even if you don’t own your building, lease a workspace, or work from home, business property insurance protects your business’ physical assets, no matter where they are. Business property insurance is one of the easiest ways to ensure the future of your business. Here are some of the important aspects that commercial property insurance helps protect:
- Your building
- Your outdoor sign
- Your furniture and equipment
- Your inventory
- Your fence and landscaping
- Other’s property
Auto Dealers Insurance
Auto dealers know the obvious risks. The value of your business sits vulnerable, on display in showrooms and open lots, the liability inherent in doing business, as well as the exposure that comes from hundreds of people visiting your lot. We consider all aspects of your company to create a policy that is right for your business. A comprehensive auto dealers insurance policy may include coverage, such as:
- Property damage and bodily injury
- Garage keepers
- Garage-owned autos
- Hired autos
- Non-owned autos
- Temporary substitute autos
- Newly acquired autos
Contractors Insurance
Winning bids is essential to being a successful contractor. But, just as important is protecting yourself from unnecessary risk. A job site accident could lead to a major financial loss for an uninsured contractor. Insurance solutions for contractors can range from a basic policy to a thorough mix of coverages. Also, the type of contracting business you own, size, number of employees, and type of work all have an impact on the types of protection you may need. The list of coverage areas that need to be addressed in your contractors insurance may include:
- Property in transit
- Workers Compensation
- Errors and omissions
- Trucks and other commercial vehicles
Cyber Liability Insurance
Data drives the organizations of today’s world. Business of all sizes have had a cyber attack or data breach, with the average cost to rectify rising to $8.3 million per occurrence. One stolen laptop, one careless employee, a virus or even paper records that fall into the wrong hands, can create a financial and reputational consequence affecting your business for years to come.
- Data Breach Response
- Legal and Regulatory Costs
- Cyber Extortion
- Business Interruption
- Liability Coverage
- Data Recovery
- Public Relations
Farm & Ranch Insurance
Some may believe farming is part of a simpler life, but farming today is more complex than ever. We are farm insurance experts who will help make sure your farm operations stay insured. Your base policy typically protects farm homes, buildings, machinery, equipment, and livestock. In short, all the coverage the average farm may require. Then, we’ll tailor fit your policies to meet your exact needs that may include:
- Disruption of farming operations
- Identity fraud expense coverage
- Earthquake coverage
- Farm machinery and equipment replacement
- Peak season coverage endorsement
- Sewer/sump pump backup
- Temperature sensitive endorsement
- Household property protection
Landlords Liability Insurance
Landlord liability insurance is a crucial coverage for property owners who rent out their properties. It helps protect against financial losses if a tenant or visitor is injured on the property or if their belongings are damaged due to the landlord’s negligence. This insurance covers legal fees, medical expenses, and potential settlements, ensuring that landlords are not personally liable for these costs. By having landlord liability insurance, property owners can safeguard their investments and maintain peace of mind. Coverage may include:
- Tenant injuries
- Proper security for your tenants
- Unlawful behavior by tenants
- General Liability
- Fair Rental Value Coverage
- Inflation Protection
- Personal Injury Protection
- Lock replacement
Liquor Liability Insurance
Owning a business that serves alcohol, whether in an established location or for a special event, always involves an element of risk. Liquor liability insurance protects you against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others. If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage.
Insurance products and services offered through Gamma Insurance Brokerage, LLC, a subsidiary of Guzhuna Financial Group, LLC. Insurance products are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may go down in value.
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INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, GUZHUNA FINANCIAL GROUP OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
