Ellard Insurance » Commercial

Commercial Insurance

Business Owners Policy

General Liability

Business Auto

Commercial Property

Workers Compensation

Professional Liability

Cyber Liability

Commercial Umbrella

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Business Owners Policy

Our Business Owners Policy coverage combines general liability insurance and property insurance into one convenient package, providing extensive protection against common risks. This policy is designed to meet the unique needs of each business. We offer additional coverage options like business interruption insurance, equipment breakdown coverage, and data breach insurance to tailor the policy based on your business needs. Our professionals work with you to identify potential risks and create a comprehensive insurance solution that safeguards your business from unexpected events.

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General Liability

No one is perfect. If running a business, mistakes may happen. And if your business is open to the public, there is always the chance your business will be held liable for an injury to a customer, visitor, or bystander. Liability policies can provide a legal defense in case of a claim or lawsuit against you and help protect you from a financial loss as a result of being held liable for damage or injury resulting to your business.

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Business Auto

If your business owns or uses motor vehicles or mobile equipment that is required by your state to be insured for minimum financial responsibility, then you need a commercial auto policy. Commercial auto may insure against property damage to vehicles you own or hire and against liability for bodily injury and property damage caused to others by your use of the insured vehicles. It is important to know the difference between a personal automobile policy and a commercial automobile policy. Your personal automobile policy usually does NOT cover vehicles used in the operation of your business.

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Commercial Property

The property used in your business, including the structure in which you do business, the contents of the structure, and the equipment used in your business, needs to be protected. Property policies pay for the loss of or damage to your property. At Ellard Insurance, we understand that your commercial property is a crucial asset for any business. That’s why our property policies not just cover physical damage but also loss of income, extra expenses, and liability protection. Our experts can help you assess your business’s unique needs and provide customized coverage options that are right for you.

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Workers Compensation

If your business has employees, workers’ compensation insurance will be mandatory. Workers’ compensation insurance coverage can help to protect both you and your employees after a work-related injury or illness. For the employee, workers’ compensation provides medical care, lost wages, and more. For the employer, workers’ compensation provides a sole remedy, avoiding expensive civil litigation.

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Professional Liability

Stay protected when lawsuits result from issues like negligence, errors, and omission tied to your professional services. Our policies are tailored to meet your specific needs and can help protect you and your business from the financial damages that can result from legal action. Don’t let unexpected lawsuits derail your career – get the protection you need with Ellard Insurance.

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Cyber Liability

This policy covers failure to prevent unauthorized access to confidential data, virus transmission, copyright or trademark infringement; it also covers expenses such as breach notification, crisis management, electronic data restoration, business interruption, and more. In addition to covering expenses related to breach notification, crisis management, and electronic data restoration, it also provides protection against losses arising from business interruption, legal costs, and regulatory fines.

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Commercial Umbrella

Commercial umbrella insurance is a type of liability insurance that provides additional coverage beyond the limits of a company’s primary liability policies. This type of insurance is designed to protect businesses from catastrophic losses and unexpected lawsuits that may exceed their existing policy limits. With Ellard Insurance’s commercial umbrella services, businesses can have peace of mind knowing they have an extra layer of protection against potentially devastating financial losses.

Innovation

Ellard Insurance embraces innovation and stays at the forefront of the insurance industry. We constantly seek new approaches, technologies, and solutions to meet the evolving needs and challenges of our clients. We encourage creative thinking, adaptability, and forward-looking strategies.

Financial Strength

Ellard Insurance maintains financial stability and profitability to ensure the long-term success and sustainability of our operations. Our financial strength allows us to meet our commitments, invest in the latest technologies, and provide uninterrupted service to our clients.

Agility

Ellard Insurance is agile and responsive to the changing needs of our clients and the insurance industry. We embrace innovation, adapt to market dynamics, and proactively respond to emerging risks and challenges. Agility allows us to provide timely and effective solutions to our clients’ evolving needs.

Employee Empowerment

Ellard Insurance values our employees as key contributors to our success. We invest in employee development, provide opportunities for growth and advancement, and foster a supportive and inclusive work environment. We empower our employees to take initiative, contribute our best, and ensure client satisfaction.

Social and Environmental Responsibility

Ellard Insurance recognizes our role in society and the importance of sustainable practices. We integrate social and environmental responsibility into our operations, supporting community initiatives, and minimizing our environmental footprint. We strive to make a positive impact beyond our core business.

Accountability

Ellard Insurance takes responsibility for our actions and commitments. We are accountable to our clients, employees, and stakeholders. We operate with transparency, learning from mistakes, and taking steps to rectify any issues promptly. Accountability ensures that we deliver on our promises and maintain trust.

Continuous Improvement

Ellard Insurance believes in continuous improvement and learning. We are dedicated to enhancing our knowledge, skills, and processes to deliver superior services to our clients. We embrace feedback, seek opportunities for growth, and constantly evaluate and refine our practices to remain at the forefront of the industry.

Collaboration

Ellard Insurance fosters a culture of collaboration and teamwork. We value the contributions and expertise of our employees, promoting a collaborative environment where ideas are shared, and collective problem-solving is encouraged. Collaboration enables us to provide comprehensive and effective risk management solutions.

Customer Focus

Ellard Insurance places our clients at the center of everything we do. We are committed to understanding our clients’ unique needs and providing exceptional customer service. Our goal is to exceed customer expectations by delivering tailored insurance solutions and providing reliable support.

Integrity

Ellard Insurance upholds the highest standards of integrity, honesty, and ethical conduct in all interactions. We prioritize transparency, trust, and ethical decision-making, ensuring that our clients’ best interests are always the top priority.