Business Insurance

Every industry faces risks, no matter their size, location, or focus. That's why Concklin Insurance Agency is committed to providing competitive and consistent insurance.  We believe in offering the best coverage at the best rate.  We only represent carefully selected, financially sound, and reputable top rated insurance companies.  Our goal is to eliminate gaps in your coverage, reduce costs through loss mitigation and risk management, and reduce stress by hiring well-trained, experienced professionals.

It is our conviction that the Agent is an advocate for the client and not an extension of the Insurance Carrier. By acting on behalf of the best interests of our clients, our staff transcends from Insurance Agents to Trusted Insurance Advisors.

Retail Store Fronts in Historic Downtown
A Business Owner's Policy (BOP) is a type of insurance that combines several different types of coverage into a single policy. It is typically used by small to medium-sized businesses to provide comprehensive protection against a variety of risks and exposures.

Caution - Wet Floor Sign
Adequate General Liability Insurance, also referred to as Business Liability Insurance, is the only way to effectively protect your business from damages involving bodily harm or property damage for which your company is found legally liable.

Interior Lobby of nice office building
Commercial property insurance is a type of insurance that covers the physical assets of a business, such as buildings, equipment, and inventory. It is designed to protect a business from financial losses due to damage to or destruction of these assets. There are several types of coverage included in a commercial property insurance policy. Most commonly this coverage provides protection against fire, wind, hail, theft, and business interruption, which covers financial losses a business may incur if it is unable to operate due to damage to the property.

Commercial Buildings in a city
A commercial package insurance policy is a comprehensive insurance policy designed specifically for businesses. It typically combines several different types of insurance coverage into a single policy, providing businesses with a convenient and cost-effective way to protect their assets and operations.

Doctor makes notes on medical chart
Workers' compensation insurance is a type of insurance that provides financial benefits to employees who are injured on the job. It is required by law in most states and is intended to cover the medical expenses and lost wages of workers who are injured while performing their job duties. Non-compliance could result in costly fines.

HR shakes hands with prospective employee
Employment practices liability insurance, also known as EPLI, is a type of insurance that protects businesses from legal liability for employment-related claims. These claims may include allegations of discrimination, harassment, wrongful termination, breach of contract, and other employment-related issues. A wrongful employment practices claim, even if false, can disrupt business, hurt morale, damage your reputation, and potentially lead to financial damages.

Computer Screen with Cyber Alert Message
Cyber liability insurance is a type of insurance that protects businesses from legal liability for data breaches and cyber attacks. These types of incidents can result in significant financial losses for businesses, as well as damage to their reputation and customer trust.

Clos Up croped Images of different Commercial Vehicles
Commercial Auto insurance is important to protect your drivers, and the vehicles your business owns, leases or rents for a variety of tasks. whether transporting materials, driving to meet clients, making deliveries, or taking tools to a worksite, companies of all kinds rely on vehicles in their day to day operations. Commercial Auto insurance isn't just for large fleets.  Any car, truck, van, or similar vehicle used as part of your operations needs to be covered.

Employee Drive Car to go to a meeting
Hired and non-owned auto insurance is a type of insurance that provides coverage for vehicles that are not owned by a business but are used for business purposes.

Umbrellas at a outdoor cafe
Commercial umbrella coverage is a type of insurance that provides additional liability protection for businesses. It is designed to supplement the liability coverage provided by other types of insurance policies, such as commercial auto insurance or general liability insurance.

Distribution Center with Trucks filled with shipments
Commercial Inland Marine covers products, materials and equipment when transported over land or while being temporarily stored in a warehouse by a third party. The name may be confusing since it contains "Marine". Many people assume it must have something to do with water.  However, when you consider that marine insurance, which covers products being transported over water, originated first it is easy to see how the name evolved when coverage extended to "in" land transportation. For many businesses, the coverage provided by their Business Owner's Policy protects property stored at specific locations or when traveling with employees to near by job sites.  However, if your business regularly ships high value property or material this coverage may not be sufficient. It is best to talk to an experienced Insurance Advisor when weighing the need for coverage.

Home or Building under construction
Builder's Risk Insurance is a specialized type of property insurance that provides protection for buildings and structures that are under construction. This type of policy protects the project owner, contractors and subcontractors against direct physical loss or damage to the covered property. Typically, this coverage extends to materials and supplies that are onsite, in transit, or being stored temporarily off-site - if they are intended to become a permanent part of the property.

An equipment floater is a type of insurance policy that provides coverage for portable or moveable equipment. Equipment floaters are typically purchased by businesses who use expensive equipment that is essential to their operations.

Transportation floater insurance is an important type of coverage for businesses that rely on the transportation of goods or people in their operations.

Police Crime Tape
Crime Insurance protects businesses from business-related crime, including fraud, embezzlement, robbery, theft, and forgery. This policy typically covers property loss, such as cash, merchandise, and assets.  Crime Insurance is an important part of a business's insurance program because Commercial Property Insurance usually exclude crime related losses.

Store Front with boarded up windows
Business interruption insurance replaces lost income (and potentially other expenses) when a business is closed due to a disaster that results in physical damage to the business such as a fire or storm. Typically, this is not a standalone policy, but rather is an add on to a commercial property policy or part of a package policy such as a Business Owner’s Policy (BOP) or Commercial Package Policy. (CPP)

Waiter serves three glasses of white wine
Liquor liability insurance is a type of insurance that covers a business for damages or injuries that occur because of serving or selling alcohol. This type of insurance is important for businesses that serve or sell alcohol because they can be held legally responsible for any injuries or damages that are caused by their patrons after consuming alcohol on the premises.

CEO reading the Business paper
Directors’ and officers’ liability insurance (D&O) is a type of insurance that provides financial protection to the directors and officers of a company if they are sued for alleged wrongful acts in the course of their duties. This type of insurance is often referred to as "management liability insurance."

Accountant meets with client to discuss accounting
Errors and Omission Insurance, also known as Professional Liability Insurance, is a type of insurance that protects professionals from liability for mistakes or failures to perform their duties. This insurance is typically purchased by professionals such as lawyers, accountants, architects, and engineers, who may be held liable for errors or omissions in their work.