SME insurance bundle
combines protection for all major property and liability risks in one insurance package. This covers a wide range of risks, such as those that arise from claims and lawsuits, and it protects the physical components of your business, such as inventory, equipment, and the building. This covers situations such as fire, theft, vandalism, and bodily injury.
Three (3) basic overages:
Comprehensive general liability insurance:
Is a type of policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’s operations, products, or injuries that occur on the business’s premises.
Commercial
property insurance:
This protects your company’s physical assets – things like buildings, furniture and equipment, supplies, computers, inventory, customer’s goods, signs, fencing, and even lost income. The policy will provide financial reimbursement to help recover the cost of items damaged, lost or destroyed from fire, theft, vandalism, burst pipes, explosion, and more.
Business
interruption insurance
This helps to replace lost business income if you are unable to open your business on a temporary basis due to a loss covered by the policy, such as a fire or theft.
Add On overages:
Commercial auto insurance
Commercial auto insurance covers a vehicle used for business. There’s also hired and non-owned auto coverage. This type of coverage covers you if you’re renting a car you drive for work or using your personal car for work purposes.
Cyber liability insurance
Also called data breach insurance, cyber liability insurance covers the costs to help your business recover from cyber threats or breaches involving computer systems and data. This includes sensitive customer information like account numbers, credit card numbers, driver’s license numbers, health records and Social Security numbers.
Equipment breakdown insurance
This coverage helps pay to repair or replace equipment that is suddenly damaged or unexpectedly stops working. Equipment breakdown insurance generally covers equipment failure due to motor burnout, power surges, electrical shorts and mechanical failures.
Professional Liability Insurance
This covers claims if you make professional mistakes. Anyone who gives advice, makes recommendations or represents the needs of others may want to consider buying errors and omissions insurance.
Inland marine insurance
This covers your business property, including materials, equipment, products and tools, while it’s temporarily stored off-site or in transit over land.
Group Personal Accident Insurance
This pays benefits such as medical bills and lost wages to employees who suffer a work-related injury or illness.
Who Needs a Business Owners Policy?
Small business owners who can’t afford to pay out of pocket for legal costs if they’re sued or to repair or replace their physical assets if lost, damaged or stolen can benefit from a business owners policy.
What happens after I submit my request?
You want your insurance policies to be thorough, protecting you or your business from risks and costly claims. But you also don’t want them to break the bank.
That’s why at Pacres Atil Insurance, we work with many reputable insurance carriers. We’ll get to know your needs, then shop around for you so you can be sure you are getting the right protection at the right price.
Get a Quote
Select either personal or business insurance, or both, then fill out and submit this short form, or if you’re ready to enter your exact information for a quote, click here to complete our longer form.
A member of our team will get back to you in less than 24 hours to gather more information and review your options.