Planting Comprehensive Coverage Just for You.

Also known as Business Liability Insurance, this essential policy provides coverage against third-party claims arising from your franchise operations. These claims can involve property damage, bodily injury, personal injury or advertising injury. General liability coverage can help pay to repair or replace someone’s damaged property, cover medical bills following a hospital stay and resolve any court-ordered settlements or judgments.  

Whether you own a fleet of company-branded trucks or lease according to your business needs, Commercial Auto coverage is a vital policy that can help mitigate costly auto-related liability issues. Commercial Auto Insurance safeguards your bottom line against injuries or damages your employees may cause to others and their property. A commercial auto policy provides full physical damage coverage to your business-owned vehicle, including a $1,000,000 auto liability limit and a $1,000,000 limit for hired/non-owned auto liability. 

Even the most careful employees can injure themselves in the workplace, resulting in expensive medical bills and lost wages. Workers’ Compensation Insurance protects your business by covering employee expenses arising from these incidents, such as medical bills, lost wages, disability and ongoing care costs. It also protects your finances if you’re sued by an employee who believes their injury resulted from unsafe workplace or business practices. 

With the advancement of artificial intelligence (AI), it’s easier than ever for cybercriminals to attack businesses. Franchises of all sizes, small or large, can become targets due to the valuable personal information they retain. Cyber Liability Insurance, also called Data Breach Insurance, offers valuable protection in the event of a breach where employees’ and customers' personal information is exposed or stolen. These policies also cover stolen electronic devices such as laptops, tablets and cellular phones.  

Consider your standard commercial insurance policies, such as workers' compensation, general and auto liability, as a rain jacket. It's more than sufficient to keep you comfortable and dry in a sprinkle. In a deluge, however, you might need additional protection. Commercial Umbrella Insurance provides this by shoring up your existing policy limits if you're concerned you might run out of coverage. 

Our ever-changing society presents new laws, cultural ideas and technologies that pose evolving employment challenges. Secure Employment Practices Liability insurance today before a costly discrimination claim is filed against your business. Employment Practices Liability coverage safeguards your business's finances if an employee triggers a legal dispute arising from alleged harassment, discrimination or wrongful termination. 
 

Provides coverage for bodily injury or property damage to a third party caused by the application of herbicide and pesticide products.

Some jobs require that you purchase a bid bond or performance bond. A bond is debt security, under which the issuer owes the holders a debt and, depending on the terms of the bond, is obliged to pay them interest (the coupon) and/or to repay the principal at a later date, termed the maturity date. We have several carriers that offer full bonding options.

Mobile equipment can be covered under an inland marine “floater” policy. You are able to request the equipment be added at the actual cash value (ACV) or at replacement cost (RC).