Published: August 17, 2018

The life of a service-based business owner is hectic to say the least.

  You are running the day-to-day operation of your business or overseeing those who are. Whether your hands are in the daily operations or not, you must still think about may things.   Some of these things are:

  • Workers Compensation
  • Ill Employees
  • Scheduling
  • Vacation Coverage
  • Property Damage
  • Payroll
  • Liability Exposures
  • Catastrophic Incidents
  • Cash Flow
  • Debt

  Here at All Access Insurance, our job is to ensure that you have the coverage in place for your individual type of business before you need it.   Our products feature a variety of discounts based on your workers’ compensation history, age and condition of your property, training and experience of your staff, and accessibility to local emergency services.   Most service based entrepreneurs need these services:  

Property Coverage

Insure your building and business personal property up to $20 million with higher limits available for certain applicants. A number of deductible options are also featured.  

Workers’ Compensation

Protects your employees from work-related injuries/illnesses by covering medical expenses and lost wages. Safety resources as well as assistance in setting up a return-to-work program are absolutely FREE with your policy.  

Business Owners Coverage (Property & Liability)

Protects your building and contents (such as furniture, fixtures, equipment) and covers expenses if your business is held liable for harm to another. Protection against loss of business income, employee dishonesty, damage to outdoor property, and more are automatically included with our basic policy.   Some things you might need:

  • Additional Insureds
  • Bailee (Laundry and Dry Cleaners)
  • Business Income, Extra Expense
  • Computer Fraud and Funds Transfer
  • Credit Card Slips
  • Data Compromise
  • Earthquake & Sprinkler Leakage
  • Employee Benefits Liability
  • Equipment Breakdown
  • Employment-Related Practices Liability
  • Fine Arts
  • Fire Department Service Contract
  • Hired and Non-Owned Auto Liability
  • Hired Auto Physical Damage
  • Loss or Damage to Customers’ Autos
  • Miscellaneous Professional Liability
  • Money and Securities
  • Ordinance or Law
  • Private Parking Lot
  • Spoilage
  • Utility Services
  • Water Back-Up and Sump Overflow
  • Web Sites

 

Commercial Umbrella Liability

Provides an additional tier of protection, typically extending existing limits as well as your financial security.   Keeping you protected,   Rick   All Access Insurance in Littleton, CO,  who represents multiple insurance companies as a “Broker” and provides products for auto, home,  commercial, workers compensation, and much more!   Call us today for a free quote at (303) 932-1700