When you’re running a business, the day to day demands often overshadow more “big picture” concerns like insurance. But without good coverage, you put your company and yourself at risk.
At Walsh Carter, we make it easy to get the insurance you need. Our team of experts can do the research and cost comparisons that you don’t have time for and then create a plan that gives you the quality coverage you need at competitive prices.
WHAT WE OFFER
Business Owners Policy (BOP)
This is a standard package of the insurance coverages typically needed by a small business, including property, business interruption, liability exposures, and business vehicles. For many growing companies, BOPs can be a simple and cost effective way to get the coverage you need.
Designed to provide financial protection in the event your business is sued or held legally responsible for some injury or damage, general liability insurance pays losses arising from real or alleged property damage, personal injury, bodily injury, and other issues that happen on your premises or arise from your operations.
Professional Liability/Errors & Omissions
Professional liability insurance (also known as Errors & Omissions) is designed to protect you and your company if a client alleges they have suffered a financial loss as a result of a mistake made by you in the delivery of your services.
Directors and Officers Liability
D&O insurance protects directors and officers from liability arising from actions in direct connection with the performance of their duties.
Employment Practice Liability Insurance
Protect your business from employment practice related claims and lawsuits such as those arising from age and gender discrimination, sexual harassment, wrongful termination, invasion of privacy, negligent hiring, promotion and compensation decisions, mismanagement of employee benefits, and breach of employment contract.
Worker’s compensation is a mandatory business insurance that provides coverage for employees who sustain job related injuries. It includes medical benefits for job related injury or disease, disability income benefits, and rehabilitation to help an injured employee return to work. It also protects you from being sued by employees for workplace conditions that caused the injury or illness.
Make sure your business property is covered from loss or damage by theft or accident. This insurance covers your building, outdoor signage, furniture, equipment, and inventory additional options include business interruption and lost income.
Also known as excess insurance, umbrella policies provide you with additional coverage when the limits of insurance on an underlying policy are exceeded. They can also protect insureds from gaps and exclusions that exist in their primary policies.
Protect your business vehicles leased, owned or rented with a good commercial auto policy. This insurance also covers your company in the event that there is injury to others and their property.
We consult on fidelity bonds, surety bonds, license bonds and permit bonds.