Commercial Insurance
Commercial Insurance Services at J.T. Rosborough
At J.T. Rosborough, our commercial insurance services are meticulously designed to meet the unique needs of businesses across a spectrum of industries. From local startups to established enterprises, our mission is to ensure your business assets, employees, and operations are comprehensively protected.
Our Specialized Business Insurance Lines
Auto & Truckers Insurance
This coverage is crucial for any business utilizing vehicles for transport, delivery, or services. It covers damages from accidents, theft, vandalism, and liability for injuries and property damage to third parties, ensuring operations continue smoothly without financial setbacks.
Business Owners Package (BOP)
BOP is a comprehensive solution that bundles property and liability insurance with other essential coverages. It’s tailored for small to medium-sized businesses and offers broad protection against common risks like property damage, business interruption, and liability claims, providing a safety net that supports business continuity.
Property Insurance
Safeguards your business’s physical assets, including buildings, equipment, and inventory, against fire, theft, natural disasters, and vandalism. It ensures your business can recover and continue operations after unexpected events, protecting your investment and livelihood.
General Liability Insurance
Protects against claims of bodily injury, property damage, and advertising injury. Whether a customer slips in your store or you face a lawsuit for copyright infringement, this coverage is an essential safeguard against costly legal fees and settlements.
Workers Compensation
A mandatory coverage benefits employees suffering from work-related injuries or illnesses. It covers medical expenses, rehabilitation costs, and lost wages, ensuring employees are supported, and businesses are protected from legal complications.
Inland Marine Insurance
Offers protection for goods, equipment, and other assets in transit over land or stored off-site. This coverage is vital for businesses transporting products or having mobile operations, ensuring assets are protected wherever they go.
Boats & Marine Insurance
Essential for businesses operating on water, including shipping companies, fishing operations, and tour providers. It covers vessel damage, liability for injuries and property damage, and risks specific to maritime operations.
Umbrella Insurance
Provides additional liability coverage beyond the limits of your other policies. This extra layer of protection is crucial for covering claims that exceed your primary policy limits, safeguarding your business from significant financial losses.
Professional Liability, Errors & Omissions
Offers protection for businesses providing professional services against claims of negligence, errors, or omissions. This coverage is essential for consultants, accountants, lawyers, and healthcare providers, covering legal defense costs and settlements.
Directors & Officers, Employment Practices Liability
Shields management and the company against claims related to governance, employment practices, wrongful termination, discrimination, and harassment, ensuring leaders can make decisions without fear of personal liability.
Employee Benefits
Enhance your workforce’s loyalty and satisfaction by offering health, dental, and life insurance benefits. This not only attracts top talent but also supports the well-being of your employees, contributing to a positive and productive workplace.
Liquor Liability & Special Events
Tailored coverage for businesses that serve alcohol or host events, protecting against liability claims arising from alcohol consumption or event-related incidents, ensuring peace of mind during celebrations or gatherings.
Bonds, Rental Properties, Builders Risk
Provides financial assurance and protection for projects, property rentals, and construction developments. Bonds guarantee the fulfillment of contractual obligations, while rental property and builder’s risk insurance cover damages and losses during rental operations and construction projects.
Specialized Coverage For Specific Industries
Many industries, such as retail, manufacturing, and professional services, are also available, along with business interruption insurance.
Each of these products is designed with the understanding that every business faces unique risks. At J.T. Rosborough, we’re committed to providing you with coverage with insurance products that not only meet your needs but also support the growth and stability of your business.