Insuring your business is a very good way to protect your investment, your employees and yourself. Here at Manalis Insurance Group we have Insurance packages that can be custom made to fit your business. Whether you are a small business or a growing franchise group we can assist you with insurance to cover your business property, the building, inventory, company vehicles and much more. We offer services and products that help protect all aspects of your business as well as group health and retirements plans for you and your employees.
Property Insurance helps protect against the risk of loss in your business. This coverage can include buildings, inventory, business records, supplies, furniture and other physical property. This coverage is available to a many different types of commercial situations.
Property Insurance may cover two types of property losses:
̊ Indirect or consequential losses related to direct losses may also be covered.
̊ When property is stolen, lost, destroyed or damaged, direct losses may be covered.
̊ Commercial General Liability Insurance
Casualty Insurance comprises chiefly of liability coverage, which protect a covered company against accidental injury or damage claims made by some other party. Policies provide coverage for liability arising out of:
̊ Products/Completed Operations
̊ Operation and Premises
̊ Medical Payments
̊ Fire Damage Liability (damage by fire to premises rented to insured)
̊ Personal and Advertising Injury
You might prefer to think about a Business Owners Package which blends your Property, Liability, and other types of coverage into one policy that covers all aspects of your 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 borrowed, rented, owned by these businesses. Whether these vehicles are owned by corporations, associations, 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 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 the 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:
̊ Medical benefits
̊ Income benefits
̊ Rehabilitation benefits
̊ Death benefits
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.