Comprehensive Coverage That Won’t Fizzle Out.

The properties and equipment you use in your business, whether owned or leased, play a critical role in your daily operations. Commercial Property Insurance provides valuable assistance for your properties following damaging events such as fire, wind, hail, theft and vandalism. If you’ve made improvements on a leased property, this coverage can help you recoup your investment. It can also help bridge financial losses due to equipment breakdown or business interruption.  

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.  

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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. 
 

Professional Liability Insurance, also known as Errors and Omissions (E&O) Insurance, protects your business against third-party claims of negligence or injury in your professional services. Common claims include alleged or actual negligence, personal injury and copyright infringement. A professional liability policy gives you unlimited defense cost assistance to help you respond appropriately. 
 

You need an insurance program that can grow with you and your success. Our personal insurance advisors pair global insight with local expertise to ensure your lifestyle and assets are protected properly. Whether you need insurance for your home, automobile, jewelry, recreational vehicles, watercraft or valuable collections, we'll ensure your unique needs are met. We provide personal lines insurance advisors upon request. 

Gallagher understands the rising cost of health and life insurance remains a top concern with franchises of all sizes. Thanks to our broad network of leading carriers, you can choose from hundreds of plans to find the best option for your franchise beyond traditional group insurance.

Our insurance solutions are value-based and competitive, offering flexible spending plans, large networks and cost-saving opportunities. We'll help you find the best fit for your business's unique needs.