Business Insurance

Providing insurance to the business world takes more than just being insurance agents. It takes experience, knowledge, and the willingness to step up and do the job right - the first time.

At Gillman Insurance, we provide a complete range of traditional and non-traditional insurance programs. In addition to our full service general business insurance, we have designed specialized programs for a wide variety of business and professions including the medical profession, landscapers, building owners, contractors, roofers, and home builders.

Commercial insurance pricing can be a complex issue. That's why it's a good idea to have your property, liability and other commercial property and casualty insurance expenses and premiums audited regularly to identify any factors that could drive up your costs, and provide a chance to take corrective action.

What's Right for Your Company?

Selecting the right coverage for you and your company can be complex. The product or service you provide, the way it's distributed, the raw materials you use, the size of your workforce, your loss experience, and your in-house safety procedures all have a bearing on the extent to which an insurance carrier is willing to provide coverage. That's why you'll need the experience of a firm like Gillman Insurance Group to help you choose the right insurance products. You can be confident that we'll find the ideal combination to suit your needs.

Whether you are a manufacturer, wholesaler, retailer or just about any type of business, we can tailor a program to match your needs.

Our Commercial Insurance Specialists can custom design an insurance program for your business, whether you are self employed or multi-location company with hundreds of employees. Every business has different needs, and we will work with you to determine the proper insurance coverage at the best possible price.

Commercial Auto

An essential coverage required by most businesses is Commercial Auto Insurance. Our program provides the property damage and liability protection necessary to protect a single vehicle or an entire fleet of vehicles. We offer competitive rates and are able to adjust these rates for businesses which have demonstrated favorable loss experience.

Provides third party liability, including state specific compulsory coverage, medical payments, uninsured/underinsured motorists and comprehensive and collision coverage. Learn More.

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Bonds

Gillman Insurance is a specialist in providing surety bonds for the business and professional community. We work with many of the country's top-rated surety companies to secure:

• Contract Payment and Performance Bonds
• Fidelity Bonds on Employees
• Code Compliance Bonds
• Judicial and Court Bonds, including estate guardianship and repletion bonds
• Professional Service Bonds

Builders Risk

Our builder's risk form is offered by some of the largest and more financially sound insurance carriers in the industry. It can be used in conjunction with your commercial general liability policy to offer you protection for your materials, supplies, machinery, equipment, and fixtures which will become a permanent part of the building, structure or project at the project site including temporary buildings and structures.

Business Interruption

Business Interruption helps to defray your overhead costs and lost income where operations cannot continue due an insured loss, included is coverage for:

• Reimbursement of actual business income lost
• Salaries and lost wages
• Insurance premiums
• Property depreciation resulting from business interruption
• Taxes
• Interest on indebtedness

This protection is designed to provide the funds necessary to maintain your financial condition, as if no loss had occurred.

Business Owners Package (BOP)

Business Owners Package policy, commonly called a "BOP" contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers compensation, professional liability, or business vehicle coverage. Learn More.

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Directors & Officers Liability

Directors and Officers liability insures corporate directors and officers against claims, usually by stockholders, alleging loss arising from mismanagement. Outside Directorship Liability policy is available, as supplementary protection, to assure sufficient limits for the exposure created when a company's director, officer or employee serves in an outside director position at its request.

Directors & Officers Liability insurance is available for associations, corporations, institutions and individuals.

Errors & Omissions

Professionals unlike other services, have a unique characteristic. Professionals have specialized knowledge, training and skill level and are expected to exercise a higher degree and standard of care in their particular field or practice. Errors and Omissions Insurance (also known as Professional Liability Insurance and Malpractice Insurance) generally provides coverage in situations where you are sued for negligence or alleged negligence in the execution of professional duties. Learn More.

Errors & Omissions Insurance Quote Form

Harassment / Discrimination Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) was developed in the 1980's to protect employers who find themselves the target of work-related lawsuits, including harassment, wrongful termination and discrimination.

EPLI coverage protects business assets against defense expenses and damages resulting from wrongful employment practices.

International

The business world is truly global. We are no longer surprised to find that one of business associates is traveling overseas to find new markets for their products and services. It has become a common day experience. With this global expansion however the business and traveler are exposed to both business and health risks not covered by standard insurance policies. The international insurance policy is designed to address these exposures.

As U.S. companies expand into the global marketplace, their risk also expands. International insurance is needed for:

• U.S. citizens moving, living or traveling frequently abroad.
• Companies with employees in one or more foreign countries.
• Foreign nationals visiting the U.S. or any other country
.

Kidnap - Ransom

Insurance against the possibility of personal seizure from outside an insured premises and includes being forced to return to the premises to open the safe or provide information to do so.

Life / Health / Disability / Retirement

Gillman Insurance's experienced problem solvers provide personalized assessments of your life, disability, health, and retirement funding needs whether individual or group.

Disability insurance is a way to protect your income and your life style. Should you not be able to work, you still want to be able to cover your monthly expenses - car, home, food, etc.

Ocean Cargo

Ocean marine insurance is designed to cover various hazards related to the movement of goods. The first and obvious protection that can be provided is for the cargoes themselves. This protection can be provided to the seller/shipper or to the buyer. Where ownership of and responsibility for the cargo are assumed is crucial in determining what coverage is needed.

Professional Liability

Because you provide a professional service, claims may arise due to your failure to render those services properly, resulting in suit against you or your business. Professional liability coverage would provide protection in the event you are held liable for damages due to "malpractice" of those provided services. Our professional liability policy provides liability coverage for claims arising as a result of alleged negligence, dishonesty, errors or omissions while performing or rendering professional services. Learn More.

Professional Liability Insurance Quote Form

Property Liability

The general or public liability policy provides protection for claims of liability that are made by third parties. The property liability policy provides defense protection even if the allegations are groundless. In addition the policy will pay any judgment up to the policy limit of coverage.

Commercial Property Replacement cost coverage for the buildings that you own or are responsible for insuring, for your business personal property, machinery, inventory and data processing equipment. Important extensions to protect your personal effects, valuable papers and records, accounts receivable, business income and extra expense are also available. Learn More.

Commercial Umbrella

This policy provides protection against catastrophic liability claims. The policy acts as an excess coverage over your primary liability policies. Its limits apply in addition to that provided by underlying coverage.

The umbrella or excess liability insurance policy adds an additional amount of liability insurance protection to both the general liability policy and the automobile liability policy. In addition, the umbrella policy may add additional liability coverage to any other liability policies that are scheduled under the umbrella policy.

Special Events

Whether you are planning a small wedding, holding a large rock concert, or organising a local flower festival, you need Special Event Insurance to ensure that you are covered for all possible events that may spoil the enjoyment of you and your guests when the big day arrives.

Special Events Insurance Quote Form

Workers Compensation

Workers Compensation is a mandated insurance coverage that is administrated by each state in accordance with their own set of rules and guidelines.

State law requires that every employer provide Workers Compensation insurance on their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Workers Comp Benefits can also include lost wages, medical expenses, and permanent disfigurement/disability payments. Learn More.

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