When your business has employees apart from yourself to manage, there are several areas of liability that may not be immediately obvious and are not covered by your general liability policy. Protection from claims against your business such as discrimination, harassment, wrongful termination, breach of contract, or even failure to promote are reasons to consider specialty liability insurance. Liability coverage generally protects you from claims that arise out of harm your business (including employees) cause another.
- Do you operate off-site?
- Serve alcoholic beverages at functions?
- Sell products that could cause harm?
- Do you or your employees operate personal vehicles at any time in the course of doing business?
Other Insurance Types
Auto insurance is one of the most utilized form of personal insurance we offer. If you are ever in an accident, you have enough to worry about without wondering if your policy will cover the expenses. Our team understands the needs of you and your family on the road and will navigate you to an insurance plan that will let you ride a little easier through your day.Get A Quote
Your home is your greatest investment and where the life of your family is centered. Protecting your hard work and safe haven are values members of Cary Insurance Group understands both professionally and when it comes to each of our own families. Let our experienced agents design a homeowner’s policy that safeguards the place where you hang your hat.Get A Quote
Renters Yes- you need Renters Insurance. Your landlord only insures the building you live in- not YOUR personal belongings!
If there is a fire or other catastrophe, who will replace your:
Landlord insurance provides coverage for property owners renting out one or more residential homes, apartments, or condos. As a landlord, you need protection from financial loss that may result from damages to a rental property due to fire, break-in, severe weather and more. You can get insurance to help cover loss of income in the event that your rental units become uninhabitable due to circumstances beyond your control.Get A Quote
Insuring personal belongings is the main responsibility for condo owners, as your HOA master coverage does not typically extend protection to your stuff. In fact, the value of your electronics, jewelry, furniture, clothing, and all the rest of your property is perhaps the key factor in determining how much condo insurance you need.Get A Quote
In recent times, we’ve all seen what can happen when mother nature gives us more water than we can handle. Because of differences in the likelihood of this event happening to your property, flood coverage is left out of most homeowners insurance policies. Our team is ready to evaluate your risk and make sure you aren’t missing an important part of protecting your investment.Get A Quote
Protect your assets with personal umbrella insurance coverage
A personal umbrella insurance policy offers an extra layer of liability protection for your assets if there’s a serious auto accident or accident on your property. Otherwise, you could be liable for more than your current auto or homeowners coverage limits.Get A Quote
Boat insurance covers you in the event of a loss or damage to your boat. It covers most watercraft with motors, including fishing boats, pontoon boats, paddle boats, leisure crafts and yachts. Boat insurance does not usually cover canoes, kayaks or personal watercrafts (PWCs)Get A Quote
A standard motorcycle insurance policy will cover some portion of the costs associated with damage to your bike. It will also provide compensation in the event that you cause harm another person or their property or have legal fees to pay an accident. Known as “bodily injury and property damage liability,” your motorcycle liability insurance covers the cost of liability claims and legal fees, up to the limits of your policy, if are at fault in an accident.Get A Quote
Identity Theft Insurance
In today’s age, more of our day to day business is taking place in a digital environment. Shopping, paying our bills, even getting our mail has largely moved to the virtual infrastructure of the Internet where information can easily be stored, shared, and even misused. Identity theft happens to millions of people each year creating exhausting and time consuming work to restore their good name. Our team can take that burden off you by monitoring your credit 24/7 for suspicious activity, minimizing damage by quickly calling and filing forms with required agencies, and even providing you with up to $25,000 of deductible-free reimbursement.Get A Quote
No matter what your business type is, we understand your specific needs and will develop a unique policy made just for you. Our coverage can keep you afloat if fire or severe weather forces you to temporarily close your doors, lose important papers, or damage your office equipment.
- Property coverage
- Fixed Property (buildings, fixtures, etc.)
- Contents (equipment, inventory, etc.)
- Professional Liability
- Business interruption
- Business Auto
Professional Liability aka E&O or Errors and Omissions
Are you in a profession that you are writing contracts between you and your clients?
Are you advising clients?Get A Quote
What happens if your business is shut down? Who will pay the bills? Will you be able to resume when everything is back to normal?
How do you pay the payroll? Do you have enough in the budget to advertise your reopening?Get A Quote
Whether your business owns one or a fleet of service vehicles, our commercial auto policies can protect your employees, your vehicles, and your liability for other motorists in the event of an accident.
- Do you have vehicles titled to your business name?
- Are you using vehicles on behalf of your company?
- Do you have enough Auto Liability Coverage to protect your business?
- How safe are your drivers?
Nothing is more important in your life than family and the people who love and depend on you. Ensuring that those you care about are taken care of when you’re not around is a reality that we can help you achieve.FINRA, SIPC. DBA Nationwide Advisory Services, LLC. in AR, FL, IL, NY, TX and WV. Representative of Nationwide Life Insurance Company, affiliated companies and other companies.Get A Quote
Long Term Care
You never know when the tragedy of a debilitating illness can strike a member of your family. When health insurance, Medicare, and Medicaid aren’t enough, long term care health insurance can provide the means for your loved-one’s life-long treatment.Get A Quote