Business Insurance

Business Insurance

 

Concklin Insurance are experts in business insurance. Protect your business from unforeseen influences such as accidents, theft, injury, cyber breach and natural disasters. Concklin provides business insurance solutions that protect physical assets and minimize potential liability that may develop during any given business day. We create solutions that will allow you to respond to the ever changing commercial marketplace.


General Liability Insurance

Adequate General Liability insurance, also referred to as Business Liability Insurance, is the only way to effectively protects your business from damages involving bodily harm or property damage for which your company is found legally liable. Typically, this coverage extends to include other physical injury, personal injury (libel or slander), advertising injury and property damage caused by your products, premises or operations.  Some General Liability Insurance plan also additional coverage, such as if you are held accountable for damage to your landlord’s property. General Liability Insurance safeguards against liability, which enables you to continue normal operations while dealing with real, or fraudulent claims of wrongdoing.

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Commercial Auto Insurance

Commercial Auto Insurance protects your business from the potential loss which could arise from several factors involving your company owned fleet. Auto accidents, repair costs, medical and hospital costs, lawsuits, court judgments – just to name a few.  Your industry, the number and type of vehicles you utilize, your past accident record, and a variety of other factors effect how much Risk you should plan to cover.  Talking to an experienced Insurance Agent can help you assess what amount and type of Commercial Auto Insurance is right for you and your business.

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Commercial Property Insurance

Commercial Property Insurance protects your company’s physical assets against loss incurred by damage to your building and it’s content by a covered cause.

When considering your Commercial Property Insurance Plan you may want to consider the following sub-categories:

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Workers’ Compensation

Workers’ compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident. If one of your employees is injured on the job and is medically authorized to take time off from work, he or she will be reimbursed for lost wages and all of the medical expenses related to the treatment and rehabilitation.

Workers’ compensation is required by state law and non-compliance could result in costly fines.

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Cyber Liability Insurance

Cyber attacks such as Data Breaches and Hacks occur.  More than 80% of US companies report being hacked at one point.  These attacks can cause devastating damage.  Companies suffer business disruption, lost revenue and litigation.  It is important to realize that no organization is immune to cyber crime.

Even if you are confident in your cyber security, you could still be held liable for a cyber breach that occurs to one of your service providers. Many companies use service providers that must have access to sensitive data to carry out their work. When their systems are not secure and your data is exposed in their data breaches, you may be liable. These services range from Payroll Processors, to Online Storage, and regardless of any contractual terms, it can be difficult to shift liability away from your company.

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Employment Practices Liability Insurance (EPLI)

Business decisions like hiring, firing, compensation, promotions and work environment are made every day.  All of these decisions impact your employees – meaning some could result in a claim related to wrongful employment practices. A wrongful employment practices claim, even if false, can disrupt business, hurt morale, damage your reputation and potentially lead to financial damages. Employment Practices Liability Insurance provides businesses protection from these risks.

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Electronic Data Processing Insurance

Electronic Data Processing Insurance provides protection for hardware, software and extra expenses incurred resulting from failure of equipment.

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