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.
- 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.
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.
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
- Data Breach Coverage
- Liquor Liability