Insurance for Business

Business insurance costs money, but not having business insurance can cost even more.

The success of a business, whether it's a tiny enterprise run out of a basement or a large corporation, is largely dependent on hard work and ingenuity. However, no matter how industrious you are, one disaster can wipe out all your profits and even destroy your business. The key to making sure that all the effort and money you have invested in a business doesn't disappear when a disaster strikes, is to protect it with the appropriate insurance.

Whether your business is involved in manufacturing, construction, service, retail, wholesale or another industry, working with Gillman Insurance continues to be the best way to lower your overall cost of risk.

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Insurance for Your Business

Insurance for Retail and Service

Business owners get comprehensive protection for buildings, business personal property, loss of income, and business liability. Policies designed for owners and operators of retail, wholesale, and service businesses are available. Optional coverages allow you to tailor the insurance to your specific needs.

Insurance for Office and Professionals

Professionals or owners of office buildings can get comprehensive protection for their buildings, business personal property, loss of income, and business liability. Optional coverages allow you to tailor the insurance to your specific needs.

Insurance for Trade Contractors

As a self-employed contractor, you have special insurance needs. Gillman Insurance will provide comprehensive coverage for your business personal property as well as the liability insurance you need to protect yourself and your business. Multiple options are available to tailor coverage to fit your needs.

Insurance for Technology Services Companies

Errors & Omissions Liability for technology services companies can protect specific types of businesses that provide their customers with technology services. This coverage can help protect insureds from liability arising from mistakes, whether real or alleged.

Error and Omissions Insurance

Professional Liability can help protect all types of businesses from claims alleging a negligent act, error or omission in the performance of professional accounting services.

Business Insurance Coverages

Group Health

Employee illness or injury can be financially devastating to your business and to your employees. Group Health Insurance can help protect you and your employees against disasters, health care expenses, and lost wages.

Business Auto

Many vehicles used in business (such as private passenger cars, pickups, light vans, and sport utility vehicles) can be insured in the same manner as your private automobiles. Typically, the same coverages are available to protect you against liability claims that arise out of the operation of the business vehicle. Other coverages, such as protection for damage to the vehicle itself are also available.

Some "commercial vehicles" (for example, box trucks, flatbeds, dumptrucks) are subject to different rating rules and some coverage limitations. Gillman Insurance offers automobile coverage for a broad range of business uses, including farming, wholesale, and retail delivery and other local hauling operations.

Workers Compensation

As a business owner, you may need Workers Compensation insurance to protect employees who are injured on the job and to comply with workers compensation laws.

Commercial Liability Umbrella

For businesses that need $1 million or more of liability protection, Commercial Liability Umbrella Policy offers broad coverage at a sensible price.

Professional Liability Insurance

Professional Liability insurance provides protection against claims that the policyholder becomes legally obligated to pay as a result of an error or omission in his professional work. Also known as Errors and Omissions insurance, this type of professional liability insurance is critical to your business. E&O insurance responds to claims of professional liability in the delivery of your technical services. Allow us to customize an errors and omissions insurance policy for you that is affordable and effective.

Employment Practices Liability (EPLI)

Employment Practices Liability (EPLI) is needed by a business owner with employees. EPLI can cover claims for harassment, discrimination or wrongful termination. It is specifically designed to help protect the insured and their business in the event a suit or administrative charge is brought by an employee. This may include charges for sexual harassment, discrimination or wrongful termination.

Directors and Officers

For Profit Directors & Officers with Employment Practices Liability can protect the directors and officers of certain corporations in the event of a suit for an actual or alleged wrongful act in connection with the management of the business. EPLI coverage may also be included to help protect the insured and their business in the event that an employee brings a suit or administrative charge related to an employment practice.