BUSINESS INSURANCE

Business Insurance is critical, and perhaps the most important investment an organization can make. Business Insurance provides protection for organizations in the event of financial losses that could occur due to a variety of risks and exposures. Since not all businesses are the same, not all will share the same risks and exposures. Therefore, there are several types of coverages available to ensure adequate protection in the event of a loss. These range from basic general liability policies to commercial packages, including property, business interruption, auto, crime, professional liability, and more.

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Commercial Package / Business Owners Policy

Custom coverage that combines two or more coverage forms, such as: Property, Liability, Business Auto, Inland Marine, and Crime.

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Commercial Auto

Provides Automobile Liability and Physical Damage coverage for “autos” used in your business. “Autos” can include cars, trucks, vans, trailers, or other vehicles designed for use on public roads.

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Workers' Compensation

Workers’ Compensation is a statutory law that requires employers to reimburse employees who have been injured in the course of, and arising out of, their employment for loss of wages, medical and hospital expenses, permanent and partial disability. The act also takes care of dependents in the case of death, as well as pay the expenses of last sickness and burial.

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Umbrella / Excess Liability

An additional limit of liability that is written over primary liability policies, such as: General Liability, Auto Liability, Employee Liability, and Employee Benefits Liability. Some umbrellas will even go over foreign liability. The umbrella provides excess limits once primary limits are exhausted. In special circumstances, it can drop down to claims not covered by an underlying policy.

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Cyber Liability

This type of insurance covers your business’ liability and additional expenses for a data breach in which your business information is exposed, stolen, or held ransom. It is designed to cover a blend of liability and additional business costs.

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Management Liability

Management Liability provides coverage for exposures arising out of management activities — most often faced by directors, officers, and/or managers.

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Professional Liability

Protection from third-party losses that result from your advice, expertise, and/or services performed, which cause an economic loss to your client. Various professions require professional liability, such as: lawyers, accountants, engineers, architects, and staffing companies.

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Inland Marine

Don’t be fooled. It is not boating insurance. Inland Marine insurance, sometimes called a “floater” policy, provides coverage for property that does not primarily remain at a specific location. This coverage is intended for property that moves from location to location, is located off-premises/at a temporary location, or is kept at jobsite locations.

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Risk Management

Management of risk is an ongoing process. Identifying and analyzing exposures can help minimize risks an organization faces, as well as help to reduce the financial impact of possible losses. Our insurance carriers are committed to helping our clients not only identity and analyze their exposures, but also to evaluate and control risks through placement of proper safety and security controls — as well as implementation of education and training programs.

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Commercial Property & General Liability

Provides for businesses of all sizes. Custom coverage that combines two or more coverage forms.

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Surety Bonds

Surety bonds are third party contracts in which one party, the surety company, guarantees the performance or honesty of a second party, the principal (obligor), to the third party (oblige) to whom the performance of debt is owed.

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“What our clients say”

“The Goodman Venegas team has developed, presented and/or assisted in the implementation of several innovative, cost-saving insurance strategies for our business. Additionally, Goodman Venegas outperformed three competitors during our recent policy renewals in the areas of cost, delivery, quality and overall performance. We have worked with several members of the team as well as both principals and have found each of them to be professional, well-trained in their area of expertise and extremely responsive.”-Debbie Mack, CFO-RCO Engineering (Roseville, MI)

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We’re here for you. If you need help, would like to find out more about our agency, or if you are ready to request an insurance discovery session, then let’s talk.

  • 2800 Livernois Road, Suite 170
  • Troy, MI 48083
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