Business Insurance
Operating a business often comes with the unexpected. At O’Neil, Lee & West we will work with you to develop an insurance program. As an independent insurance agency, we can consolidate your insurance needs under one roof.
Includes:
Business Owners Policy (BOP)
Commercial Property
Flood
General Liability
Liquor Liability
Professional Liability
Commercial Auto
Workers Compensation
Commercial Umbrella
Equipment Coverage
Employment Practices
Directors and Officers
Cyber Liability
Builders Risk
Business Owners Policy (BOP)
The business owners policy includes both commercial property and general liability insurance. O’Neil, Lee & West represents insurance companies that write business owners policies that are tailored to your risks. There are optional coverages that can be added based on your needs.
Commercial Property
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, commercial property insurance helps protect your business’ physical assets.
Flood
Whether you’re insuring your home or your commercial property, your property insurance excludes coverage for floods that arise from rising surface waters. You will need a flood insurance policy to help protect you against this risk. We partner with private insurers and the National Flood Insurance Program to provide flood insurance.
General Liability
With the daily uncertainties of business management, liability coverage is a necessary precaution. Accidents happen – on-site, off-site, and with customers – no matter how much you have planned. Liability insurance can help cover medical expenses, attorney fees and damages.
Liquor Liability
Make sure you’re protected while serving it up. If you’re in the business of selling alcohol, your general liability policy most likely excludes liquor liability. Liquor liability insurance helps protect your business while serving or selling alcohol. This can include claims for bodily injury or property damage caused by an intoxicated patron after you’ve served them alcohol.
Professional Liability
The task of solving complex problems for your clients carries a huge risk: allegations of errors or omissions on your part or your employees. Professional liability insurance helps protect you in the event of claims due to negligence in the performance of your professional services.
Commercial Auto
Just like you wouldn’t drive your personal car without insurance, your company vehicles require commercial auto insurance. Commercial auto insurance can help cover your financial responsibility in addition to protecting your company’s assets.
Workers Compensation
Plan for the unexpected. O’Neil, Lee & West can help you establish and workers’ comp program that protects your business and your employees. This mandatory coverage provides coverage in the event of an accident, helps protect you from a lawsuit and your employees from loss of income and medical expenses from on the job injuries.
Commercial Umbrella
You can’t always plan for the unexpected. A commercial umbrella policy helps protect your business in the event of an accident by providing additional liability protection when your underlying policy limits have been exhausted.
Equipment Coverage
Contractors equipment or inland marine insurance can insure your equipment while it is on or off your premises. The policy can cover small tools to heavy machinery. Not only does the policy cover physical damage to tools or equipment, but it can also cover for theft.
Employment Practices
Liability
Employers have an exposure to suits brought forth by employees. Employment practices liability helps protect you, as the employer, against allegations from current or former employees. The coverage is designed to provide coverage for employment related activities. Examples of employment related suits include discrimination, harassment, wrongful discipline, failure to hire or promote, retaliation, and wrongful termination.
Directors & Officers Liability
Whether public or private, all organizations should consider directors and officers liability coverage. Your organization’s assets and the personal assets of your directors and officers could be at stake. Directors and officers liability insurance offers protection in the event that a director or officer is held personally liable for failing to fulfill their fiduciary duty.
Cyber Liability
Cyber liability insurance can protect you against suits and other losses because of a data breach or system hack. These can be costly to your business. Cyber liability insurance provides first party protection such as data restoration, loss of business income, cost to notify customers, and ransom coverage. The policy also provides third party protection for potential suits or regulatory inquiries.
Builders Risk
Builders risk insurance helps protect your new building while it is under construction. Contact O’Neil, Lee & West before you go vertical. Not only does builders risk cover your structure from physical damage, but the policy can also cover materials, supplies, and property in transit. We can tailor coverage based on the complexity of your construction project.
