Discover more about O’Neil, Lee & West by navigating the featured image for a quick glance at our comprehensive Business Insurance Solutions.

O’Neil, Lee & West Business Insurance Solutions

  • business insurance
  • commercial property coverage
  • work comp coverage

While property and casualty insurance is critical to your business, there is much more to total asset protection. 

Insurance policies that deal with a specific kind of loss – like a fire, auto accident or product failure – are the first step in ensuring business continuity. That’s why O’Neil, Lee & West starts by constantly monitoring your insurance program to make sure it adequately covers your business. We supplement this with risk management programs, disaster recovery planning and a full range of a la carté services.

Solutions for your Business

Our Business Insurance Coverage Solutions

While we specialize in providing comprehensive insurance and asset protection coverage for our commercial and business customers. The product packages and service coverages offered are:

  • Total Business Solution Packages
  • Commercial Coverages
    • Commercial Umbrella
    • Commercial Property
    • Commercial Automotive
  • Liability Management
    • General Liability
    • Employment Practices Liability
    • Professional Liability
    • Management Liability [Director & Officers Liability]
  • Worker’s Compensation
  • Specialty Coverages
    • Bonds (i.e. court bonds, surety bonds)
    • Builders Risk
    • Contractor’s Equipment
    • Crime
    • Data Breach Coverage
    • Liquor Liability

Commercial Coverage You Can Count On!

O’Neil, Lee & West’s commercial coverage packages host a variety of options to ensure all of your commercial business needs are protected.

Commercial Property Insurance

O’Neil, Lee & West’s business commercial property insurance can protect your business from a minor hiccup to a major financial loss. Whether you own your building, lease your workspace or work at home, business property insurance protects your business’ physical assets.

For example:

  • A fire could destroy your building and the contents inside.
  • A burst water pipe could damage your documents, drawings or other valuable papers.
  • A storm could damage your outdoor sign.

What does business property insurance cover?

Business property insurance is one of the most important investments ensuring the future of your business. Here are some of the important aspects of your business that commercial property insurance helps protect:

  • Your building
  • Your outdoor sign
  • Your furniture and equipment
  • Your inventory
  • Your fence and landscaping
  • Others’ property and so much more!

OLW understands that your business is unique and constantly changing. We can tailor our commercial building insurance policy to fit your needs.

Liability Management

With the day-to-day uncertainties of business management, general liability insurance is something you cannot do without. Accidents happen – on site, off site, with employees and with customers – no matter how much you’ve planned. Liability insurance can help cover medical expenses, attorney fees and damages you are legally responsible for as well as offer protection against situations that may not have even crossed your mind.

For example, any individual or business providing an opinion, making recommendations, designing solutions or offering a service is at risk for a professional liability lawsuit. O’Neil, Lee & West can help with defense costs, regardless of fault. And we offer protection for judgments, court costs and more.

What does business liability insurance cover?

O’Neil, Lee & West understands that you need complete business protection, not one-size-fits-all coverage. Our agents will work with you to determine the right type of commercial liability insurance you need for every stage of your business.

We offer comprehensive coverage for:

  • Professional liability
  • Products and completed operations
  • Fire liability
  • Medical payments
  • Premises liability
  • Employer’s liability
  • Employee benefits liability
  • Employment practices liability
  • Management liability [Director & Officers Liability]

Commercial Umbrella Insurance

O’Neil, Lee & West’s Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all the expenses. Standard business liability coverage will take care of  most situations, but when serious situations arise, commercial umbrella insurance will help ensure that your business is protected. No one wants accidents to happen, but accidents DO happen.

Here are a few possibilities:

  • Your company holiday party gets out of hand resulting in various injuries and damages
  • Your building has a carbon monoxide leak that results in multiple injuries and/or deaths
  • Your business fails to render the appropriate professional services

A business umbrella policy picks up where your business auto liability, general liability or other liability coverage stops. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage.

Commercial Automotive Insurance

O’Neil, Lee & West’s commercial auto liability insurance is an important safeguard for your business. If you or an employee is sued following a serious accident, liability insurance helps protect your company’s assets.

Commercial auto liability is a requirement in most states

Business auto liability insurance helps cover the financial responsibility if you or an employee is at fault in an accident and people are injured or property is damaged. A minimum amount of commercial auto liability insurance (or proof of financial responsibility) is required in most states.

Some states also require underinsured motorist and uninsured motorist coverage to protect you when the at-fault driver is unable to pay the total cost. Collision or comprehensive insurance is often optional.

Who needs commercial auto liability insurance?

You need this protection if:

  • Your business owns, leases or rents vehicles
  • Employees drive company-owned, leased or rented vehicles
  • Employees drive their own vehicles while conducting business
  • You or your employees drive company cars for both business and personal use

Help Protect Your Business and Employees

Workers compensation insurance from O’Neil, Lee & West provides the protection you need, because an accident can happen when you least expect it. Just one injury can cause an employee to be out of work for months, leading to serious financial hardship. Since fault does not matter when it comes to workplace injuries, you may be responsible for an employee injured on the job. Workers compensation insurance can protect your business from a lawsuit and your employees from loss of income.
For a full explanation of coverages, please contact your OLW Agent today at (800) 526-8541.

Specialty Coverages

Every business is at risk of a lawsuit, whether from an error, negligence or from a claim of discrimination, harassment, or wrongful termination. That’s why O’Neil, Lee & West offers a variety of business property and liability insurance packages, as well as umbrella and special liability solutions, to help protect your organization from costly legal judgments, settlements, and defense fees. Your agent can help you select coverage for your business needs.

Of this specialty insurance OLW offers it includes the following:

  • Bonds (i.e. court bonds, surety bonds)
  • Builders Risk
  • Contractor’s Equipment
  • Crime
  • Data Breach Coverage
  • Liquor Liability

What Sets Us Apart

Comprehensive Policy Management

We begin with a written review of all current coverage. We then provide customized recommendations of cost and coverage improvements uniquely suited to your organization’s operational profile. Our goal is to make sure your insurance program protects the business you’ve built.

And our job doesn’t stop once the insurance is placed. As part of our focus on comprehensive policy management, we issue certificates as requested, monitor both the claims process and the financial health of your insurance provider, and communicate with you to make sure the policy or insurance program continues to meet your business needs.

Risk Management

Insurance coverage is only part of the total risk management solution. Depending on your business size and industry, we recommend and assist with the implementation of programs to mitigate risk and prevent losses. These programs – which may include disaster recovery planning, driver training, employee safety programs, drug-free workplace initiatives and more – help mitigate the cost of insurance and the severity or frequency of claims.

Disaster Recovery Planning

No matter how complete the planning, disasters happen. A strong disaster recovery plan is the safety net for your insurance and risk management program. It helps avert total loss when disaster strikes. In a hurricane-prone state like Florida, having an actionable disaster recovery plan in place could mean the difference between business continuity and closing your doors. Whether it’s mobile office space or back-up systems to maintain network communications, we can help you develop, test and maintain a plan that will safeguard your business in a time of disaster.

Comprehensive Coverage for All Your Business Needs

Contact one of our licensed agents today to discuss proper protection for your greatest asset, your business.
Feel free to request a quote below to have one of our agents contact you; call (407) 425-3411 or email us at today and let O’Neil, Lee & West partner with your business to give you peace of mind!