Your business is far more than a job. It’s your livelihood. White Insurance will partner with you to find the right insurance solutions for your business.
Automobile
If you are the owner of a business, regardless of its size, Commercial Auto Insurance can provide coverage for your fleet of vehicles and drivers against injury, loss, or damage to vehicles or cargo, plus damage to other property.
Commercial Liability
Most companies obtain basic liability coverage through a commercial general liability (CGL) form. Companies requiring higher levels of coverage than provided with their CGL often augment the policy with an umbrella liability insurance policy.
Commercial Property
Commercial property is any property owned or used in conjunction with a business. For most businesses this property includes: building, inventory and equipment. Various endorsements can be purchased to cover the specific needs of your business.
Business Owner
Business owner policies are the best way to cover your business property, liability, and business property, liability, and business income on one policy. If your business qualifies, this most likely is the best way to provide the needed coverage at the lowest premium.
Commercial Umbrella
Commercial Umbrella Insurance insures against liability costs above the maximum limits in your other policies. It’s generally sold in high-dollar amounts, often in increments of $1 million of protection. Every business owner should consider Commercial Umbrella Liability Insurance.
Professional Liability
Professional Liability Insurance also known as Errors and Omissions Insurance protects your company from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract. Coverage includes legal defense costs – no matter how baseless the allegations.
Workers Compensation
Workers compensation protects listed business owners and employees from loss due to workplace injuries or sickness. Many states set requirements for businesses to provide Workers Compensation whenever they hire employees.
Long-Term Disability
Generally, long-term disability insurance will pay income replacement (“LTD payments”) to an individual who, due to an accident or illness, is unable to work. The precise definition of disability for the purposes of triggering entitlement to LTD benefits will vary from policy to policy. For example, some policies contain provision’s that the medical condition giving rise to disability be substantiated by “objective evidence” such as an x-ray or blood test. Some policies specifically exclude certain psychological conditions from the definition of disability.
All insurance policies contain exclusions and limitations either within the policy language or added to the policy by attachment of an endorsement. Not all exclusions nor limitations are nor can be addressed in any proposal through the means of using this website. Exclusions and limitations can be absolute or conditional based on the specific circumstances and allegations of a loss or claim. Policy language dictates coverage and can vary from each company or program. It is up to the insured to read their respective policy carefully to review what is stated therein and not depend on any proposal for an interpretation of coverage. White Insurance offers the coverage options available from the insurance carriers it is licensed to represent or from those with which it has a relationship; the agency makes no representations regarding coverages, exclusions or limitations in policies from any carriers not represented by the agency nor does the agency make representations regarding the availability of coverage to cover any specific risk of loss in the broader insurance marketplace.