Each business and type of enterprise has unique risk exposures depending upon their physical premises, operations, services and products. Therefore, it is very important that your businesses loss exposures are carefully identified and assessed before a program of insurance can be structured to address your unique needs.
The most cost effective as well as comprehensive approach to buying business insurance is to package all of your commercial insurances with one insurance carrier including your Property, Liability, Automobile and Umbrella policies. This can take the form of a Business Owners Policy (“BOP”) or a Commercial Package Policy for more complex risks. Within this packaged approach, other coverage can easily be added. The building blocks include:
Building and Contents Insurance – Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Business Interruption – Business Interruption protects the owners from loss of income if your business can no longer operate because your building or premises are no longer usable as a result of a covered loss to the Property. Depending upon how the insurance is written, the policy also can reimburse you for operating expenses you incur even though you no longer use the premises, including additional expenses needed to restore the business to normal.
Commercial General Liability Insurance – General liability insurance consists primarily of liability coverage which protects an insured party against real or alleged bodily injury, property damage or personal injury claims made by third parties. These claims may arise out of: your owning or leasing premises; conducting your normal day-to-day operations; entering into contracts; providing your services; your advertising practices; and/or problems with your products.
Business Auto Insurance – Business Auto coverage insures the business for claims arising from the use of vehicles that are owned, leased, hired or borrowed. Business Auto insurance may be used to insure private passenger vehicles, trucks and other commercial vehicles designed for use on public roads.
Workers’ Compensation and Employers Liability – Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Limits are statutorily set by each state. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Business Insurance available includes:
- Buildings and Business Property
- Business Interruption
- General and Products Liability
- Business Automobile Liability and Physical Damage
- Ocean Marine Insurance including Cargo, Hull, Charters Legal, etc
- Umbrella Liability
- Workers’ Compensation and Employers’ Liability
- Employment Practices Liability
- Directors and Officers Liability
- Professional Liability
The Business Customers We Serve
Kettle Creek has business clients that sell or provide many different products and services on a rental and wholesale basis. Kettle Creek does have specialized expertise in:
- Professional Practices including doctors, lawyers, veterinarians, and accountants
- Marine Terminal Operators
- Commodity Importers
- Solar Power Providers
- Biodiesel and Other Green Industry