Commercial Insurance

General Liability | Workers Compensation | Professional Liability

Is your small business insured properly?

We partner with a variety of insurance carriers to allow us to customize the proper coverage for you and your business, now and as you grow.

No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible. We would like to return the favor by giving you the coverage you need to ensure the security of your business. We’re committed to keeping your business protected – so you can focus on your day-to-day operations. With the right insurance plan, your business will be covered from top to bottom. 

Protect Your Investment & Your Employees

Every industry has specific needs when it comes to insurance. Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business. We understand that being unique is what makes your business successful across the board. That is why we provide industry-specific insurance options for businesses of all types.

Check out the multitude of industries we cover:

• Gas Stations

• Auto Supply Stores

• Auto Service Centers

• Landscaping/Lawn Care

• Habitational /Lessors Risk

• Bakeries

• Florists

• Restaurants

• Hotels

• Barber Shops/Beauty Parlors/Hair Styling Salons

• Nail Salons

• Residential Cleaning/Commercial Cleaning

• Accounting Firms

• Construction

• Contractors / Specialty Trade

Commercial Property Insurance

Protection for Your Business Itself

Every day you work hard to ensure that your business stays up and running. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity. That is why it is important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.

You can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:

• Your building

• All interior items (desks, furniture, etc.)

• Any outdoor signs on your property

• On-site equipment

• Your inventory

Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

Commercial General Liability

Critical Assurance for the Protection of Your Business

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. At Jack Hutchison Insurance Agency, we can help you create a policy that is designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.

Commercial General Liability from Jack Hutchison Insurance Agency can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Jack Hutchison Insurance Agency include:

• Premises Liability

• Products and Completed Operations

• Premises Medical

• Fire Legal Liability

• Casualty Coverage

Other types of Commercial General Liability include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

Business Owners Policy (BOP)

Combined Coverage for Special Advantages

We’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That is why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

A Business Owners Policy (BOP) from Jack Hutchison Insurance Agency allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.

The proper Business Owners Policy can keep your day-to-day operations protected with options such as:

• Products and Completed Operations

• Premises Liability

• Premises Medical

• Fire Legal Liability

• Business Income Insurance

• Building and Personal Property Protection

• On-Site Equipment Insurance

• Coverage for Inventory Loss

• Crime Insurance

Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at Jack Hutchison Insurance Agency who can help you determine whether a BOP is right for your small or medium-sized business.

Inland Marine (Equipment Coverage)

Off-Site Protection for Your Valued Assets

Your products and equipment are the backbones of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it is important to keep your investments protected. With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.

We are dedicated to providing the coverage your business needs for the asset protection it deserves. Our Inland Marine policy insures that when your business is on the move, we will protect certain items, such as:

• Transported Property

• Computer Equipment and Data

• Contractor’s Tools

• Artwork

• Buildings Under Construction

What Inland Marine Can Do for Your Business

No matter what business you are in, an accident can happen at any time. That is why it is important to have an Inland Marine policy to provide your business with the appropriate coverage it needs during transit.

Since Inland Marine covers items outside of your standard Business Property Insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’ goods or equipment when transported by ocean and air, also known as Ocean Marine.

Commercial Auto Insurance

Peace of Mind for Businesses on the Road

We understand the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.

To prevent losing your hard-earned revenue due to an auto accident, you will want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. We will work with you one-on-one to create a customized policy that may include:

• Bodily Injury Liability

• Medical Payments

• Personal Injury Protection (PIP) Coverage

• Comprehensive Coverage

• Collision Coverage

• GAP Coverage

• Uninsured and Underinsured Motorist Coverage

Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.

Since Commercial Auto Insurance coverage varies, it is important to discuss your business’s options with one of our licensed agents who can help you determine the proper amount of coverage for all your commercial needs.

Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it is protected.

Commercial Umbrella Insurance

Extra Protection that Keeps You in Business

As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances or even your operations.

Professional Liability

Mistakes Happen

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

Workers Compensation

We understand the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they are properly protected.

But should an accident happen, having the right Workers' Compensation plan can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

Workers Compensation can cover financial obligations such as:

• An injured employee’s medical expenses/treatment

• The replacement of lost wages from injury time off

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages.

Crime Insurance

Specialty Coverage for Dishonesty in the Workplace.

Unfortunately, crime and employee dishonesty can happen. As a business owner, sometimes it’s impossible to know whether the employees you hire are an honest fit for the job, and by the time you discover the truth, the damages can be costly.

Bonds

Assurance for You and Your Business

Owning a business means taking risks. We offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.

Our professional and knowledgeable bond specialists will work with you to develop a business solution to help meet all of your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.

Our business solution services include:

• Performance Bonds

• Contractor’s Bonds

• ERISA Bonds

• Fiduciary Bonds