Commercial Insurance

Businesses have many constituencies, including employees, customers, vendors, business partners and investors. Their relationships with these stakeholders, competitors and the general public often leads to a range of potential exposures, including some that are potentially catastrophic, yet not well known.

At Schmutter, Strull Fleisch Inc., we will evaluate all of your potential risks and exposures, and help you to select the best policies to provide the protection you need at a cost that is affordable.

Some of the more important coverages for general commercial accounts are discussed below. In addition, you may use the links on the left menu to learn more about specific risks related to certain specialized industries.

Property and liability coverage

While almost every organization has a policy providing basic protections, we can help you select the correct coverages and limits for your individual situation.

Directors & Officers liability

Whether your organization is a public company, private concern or non-profit, your directors and officers may be the target of a lawsuit by investors, employees and others. Both the individual and the company may be held liable for actions or decisions made in managing the organization.

Every type of organization has its own unique exposures, with widely varying requirements for coverages and policy limits needed to protect individual and company assets.

Health & Employee benefits

Selecting the right benefit package is becoming increasingly important in retaining the best employees, and keeping them productive. The cost of health insurance and other employee benefits is growing rapidly. Weighing the cost and features of of the many HMO, PPO and traditional plans available is becoming more difficult and complex every day.

We can offer you a complete needs analysis, and help you determine the most appropriate policy for your organization.

Additional Important Coverages

Business interruption

Insuring business property against loss or damage will allow you to replace the physical assets in question. However, the time required to replace these assets could be quite long, and you may suffer a partial or complete loss of income while they are out of service.

In some cases, this loss of income may actually be far greater than the value of the assets themselves. This important coverage replaces lost income resulting from an event covered by your policy.

Crime coverage

Covers theft of property, including money and securities, by either outsiders or your own employees.

Workers comp & Statutory disability

We will work to make sure your classifications are proper and you are getting competitive rates on these legally mandated coverages.

Umbrella

Provides excess coverage over and above your primary liability and auto limits.

Employment practices liability

Helps to protect business assets against defense costs and any resulting settlements, in the event of a lawsuit by an employee for alleged employment discrimination or sexual harassment.