BUSINESS INSURANCE
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PROTECTING YOUR CAROLINA BUSINESS IS OUR BUSINESS
Your business is something you want to protect and one of the best ways to do this is to Carolina business insurance. The Hoffman Agency has many packages that can be custom fitted to your business and its needs. This is true whether your business is a growing franchise or a small business just getting off the ground or anything between. We can help you find a package that can insure your building, company vehicles, property, and much more. Group health and retirement plans are also available for you and your employees and any other aspects of your business as well.
Property Insurance
Property Insurance helps protect against the risk of loss in your business. This coverage can include inventory, buildings, supplies, business records, furniture and other physical property. This coverage is available to many different types of commercial situations:
- Property Insurance may cover two types of property losses:
- Commercial General Liability Insurance.
- When property is stolen, lost, destroyed or damaged, direct losses may be covered.
- ndirect or consequential losses related to direct losses may also be covered.
Casualty Insurance is chiefly a liability coverage that protects a covered company against damage or accidental injury claims made by some other party. Policies provide coverage for liability arising out of:
- Premises Operation.
- Payments for Related Medical Costs.
- Products/Completed Operations.
- Advertising and Personal Injury.
- Fire Damage Liability (damage by fire to premises rented to insured).
You might prefer to think about a Business Owners Package which blends your Liability, Property, and other types of coverage into one policy that covers all aspects of your Carolina business insurance needs. This can also help you save precious time and money; because we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. Our agents can help you find out if these policies are right for you.
Business Auto Insurance
Auto Insurance coverage for businesses insures many different types of vehicles that are used by many different types of businesses. These automobiles can be rented, borrowed, owned by these businesses. Whether these vehicles are owned by associations, corporations, partnerships or proprietorships that are stand alone. Business Auto policies can also be used to cover all types of trailers, trucks, private passenger autos or any other type of vehicles designed to be used on public roads. We can assist you with finding the plan that is right for you and your company.
Workers’ Compensation
Workers’ Compensation insurance coverage applies to physical injury and diseases developing out of and in the course of employment. Whatever the bodily injury, it must be accidental, and this term includes death resulting from the accident or disease. Only occupational diseases, which are unique to the occupation that is covered, are compensated.
Workers’ Compensation provides for the payment of four types of benefits:
- Income benefits.
- Death benefits.
- Medical benefits.
- Rehabilitation benefits.
Carolina Business Insurance
A representative can provide you with all the details on Workers’ Compensation Insurance. We can also help to recommend cost-effective ways to control expenses through safety engineering and claim services.