There are three types of insurance you need in order to protect your business. Property, Liability, and Worker's Compensation Insurance. Most small to medium size businesses can purchase what is known as a BOP (Business Owners Policy) - this is an insurance package policy that provides both property and liability coverage at an affordable premium. Larger businesses need to purchase a Commercial Package or Commercial General Liability Policy. This type of insurance policy 'pieces' together the individual needs for a larger business. For all businesses, risks include:
             Liability
             Fire Legal Liability
             Completed Operations
             Equipment Breakdown
             Business Interuption
             Business Personal Property
             Sewer / Drain Backup
             Spoilage
             Sign Coverage
             Glass Coverage
Worker's Compensation Insurance
The sole purpose of Worker’s Compensation Insurance is to provide no-fault benefits to worker’s injured on the job. Benefits paid under this insurance include Medical, Disability, Rehabilitation, and Death Benefits. Worker's Compensation Insurance is required BY LAW in every state in the USA. This insurance is extensive and often difficult to comprehend. We suggest you call us to discuss your needs.
Commercial Automobile Insurance
It is extremely important to protect your company vehicles. Vehicles involved in an accident while engaged in company business may not be covered by your Personal Auto Insurance Policy. Any of the following used in the course of your business should be covered under a Commercial Automobile Insurance Policy:
             Sedans
             Pickups
             Vans
             SUVs
             Non-owned and rented vehicles

Technology Liability
  Managing a technology business is never easy. In fact,it's getting tougher. Your customers want services performed at the speed of light, with cutting-edge technology and razor sharp accuracy. Day in and day out you provide vital business services to your clients. Your customers depend on you to be there for them. Likewise, you should be able to depend on your insurance company to be there for you.We at Platinum Insurance Agency offer a Technology Errors and Omissions policy for that one time when things that can go wrong - do go wrong. If one of your clients lost revenue because of an error you made in providing your technology services, would your policy protect you?

So if you...
* Design software programs
* Create web sites
* Manufacture hardware
* Set up corporate networks
* Create e-commerce applications
* Consult on the next great technological breakthrough

You NEED to carry a specifically designed Technology Liability Policy. A policy that provides coverage for losses arising out of negligent acts, errors and omissions in your technology products or services, failure of your technology products or services to perform as intended as well as breach of warranty coverage.

Call us or E-mail Us today to discuss your needs.