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Business Insurance

Business Insurance, Commercial Insurance

What Kind of Insurance Fits Your Business?
Businesses come in all shapes and sizes. We can help design the coverage that's right for you, tailored to your needs.

Generally, most businesses need a combination of:

  • Property insurance for the building, structure and other property you use to do business.
  • Liability insurance in case someone claims that your business caused him or her harm. Your liability insurance pays damages to third parties resulting from bodily injury or property damage for which your business is legally liable, up to the policy limits, as well as legal fees. It may also cover the medical bills of people injured by your business.
  • Commercial auto insurance for vehicles owned by your business. The insurance pays any costs to third parties resulting from bodily injury or property damage for which your business is legally liable, up to the policy limits. Depending on what kind of coverage you buy, the insurance may pay to repair or replace your vehicle because of damage resulting from accidents, theft, flooding and other events.
  • Workers’ compensation insurance for medical care and a portion of lost wages for an employee who is injured in the course of employment, regardless of who was at fault for the injury. (Not available in Ohio.)
  • Terrorism insurance, which is offered to owners of commercial property as mandated by the Terrorism Risk Insurance Act, enacted by Congress in 2002. Insurance losses attributed to terrorist acts under these commercial policies are insured by private insurers and reinsured by the federal government.

In addition to these basic coverages, we can help you select from optional coverages like:

  • A business catastrophe liability or umbrella policy that is designed to protect against catastrophic losses. For the typical business, the umbrella policy would provide protection over and above general liability and auto liability policies.
  • Employment Practices Liability Insurance (EPLI) that provides protection against claims brought by employees alleging discrimination, wrongful termination or harassment, including sexual harassment.
  • Other specialized liability insurance policies that are designed to meet specific needs of individual businesses. They include:
    • Errors and Omissions Insurance (E&O)/Professional Liability Insurance
    • Directors and Officers Liability Insurance (D&O)

And, as a business owner, you may want to offer group life insurance* as part of your employee benefit package. We can help with that, too.

Chu & Associates is your one-stop full service insurance agency. Call us for a no-obligation insurance audit. We'll assess your current insurance programs to ensure that you are insured correctly and we'll check the competition for better features at better rates. If we can't beat your current program, we'll tell you that as well.

None of the information that we collect throughout the quoting process will ever be sold or used for any other purpose. We want you to be confident that the coverage you buy is the best value for you, whether it is purchased through us or another agent.

Extra Protection for Your Business

There's no guaranteed way to completely protect your business against lawsuits. But you can manage the impact of lawsuits by adding extra liability coverage to your insurance package. Extra liability coverage - known as a Business Catastrophe Liability policy, or a BCL - provides liability protection over and above the limits provided by underlying policies for certain losses.

Protecting your assets begins, though, with a solid business owner's policy, such as ERIE's Ultrapack, Ultraflex, Ultrasure for Property Owners, Fivestar or Garage Liability policy. The BCL policy then provides the necessary cushion to secure your business' financial future. The BCL policy limit starts at $1 million and include coverage such as:

  • Personal and Advertising Injury Liability
  • Bodily Injury and Property Damage Liability
  • Products and Completed Operations Liability
  • Blanket Contractual Liability
  • Broad Form Property Damage Liability
  • Host Liquor Liability
  • Owners' and Contractors' Protective Liability

ERIEs Business Catastrophe Liability Policy doesn't replace your present automobile, general liability, garage liability or employer's liability coverage, but adds an additional layer of coverage above the primary policy's liability protection. (Certain exclusions and conditions may apply.)

In addition, the BCL policy provides automatic replacement of the primary policie's limit should it become exhausted or reduced. And the BCL policy protection extends anywhere in the world (with the exception of any country or jurisdiction which is subject to trade or other economic sanction or embargo by the United States of America.)

This information is only intended to provide a general description of business coverage offered by Erie Insurance. The policy contains the specific details of the coverages, conditions and exclusions.

Let's Talk About Your Business Risks

Virtually every business depends on equipment to keep its operations going and income flowing. What if ...

  • The power went out at your business. How much income would you lose?
  • Your phones or computers were damaged by a power surge. Would you be able to serve your customers?
  • Your refrigeration or freezer equipment breaks down. How will you recover the value of your spoiled products?

Mechanical and equipment breakdown insurance will cover the costly physical and financial damage that can result from a breakdown. It can pay for:

  • The cost to repair or replace business equipment, machinery or technology that breaks down due to causes such as power surges, short circuits and mechanical failure.
  • Business income losses, recovery expenses and the value of spoiled products or materials that occur when a covered breakdown interrupts your business operations.

What's covered?
Different kinds of equipment are covered, such as:

  • Boilers, pressure vessels and water heaters
  • Cash registers and inventory control systems
  • Computer technology
  • Computer-controlled machines, such as CNC machines and robotics
  • Communications systems, including phone and voicemail systems
  • Diagnostic equipment
  • Electrical distribution systems
  • Elevators, escalators, cranes, hoists and lifts
  • Heating and cooling systems
  • Office equipment
  • Ovens, stoves and furnaces
  • Production equipment
  • Refrigeration (including lost refrigerant)
  • Security and fire detection systems

Contact our agency today to learn more about this important business coverage.