Commercial Lines Insurance
We know just how important your business is to you. As a business owner you have a lot to
protect. That's just one of the reasons why we take the time to...
- We take the time to effectively analyze your business needs.
- We help you develop a plan that is customized and responsive to your own specific
situation.
- We can offer you very competitive pricing reflective of your exposure and experience.
Running a business in today's economy is a challenge, but can also be very rewarding.
Although keeping up with day-to-day operations takes up most of your time, you also must take
all necessary precautions to safeguard your business from loss.
Whether you own an office building or a coffee shop, we offer the right combination of
coverages to meet your needs.
Our many products and coverages can be tailored to meet your business insurance needs.
Furthermore, our Business Policies are customized and responsive to your specific needs, no
matter how big or small. The companies we represent may even provide the opportunity to
package many of these coverages within a single policy.
Bonding Services - Nelson Brothers Agency primarily provides products for three bond
segments:
- Commercial Risk: Targeting businesses of all sizes, non-profit organizations,
governmental entities, and individuals for crime insurance, surety bonds, and liability insurance
products.
- Construction Services: Targeting contractors for their surety business.
- Financial Services: Targeting financial institutions for crime insurance, surety bonds, and
liability insurance products.
LEARN MORE ON OUR BONDING SERVICES...
Commercial Automobile - this coverage is available to protect your business from the liability
associated with operating automobiles. Coverage is available for owned, non-owned, and hired
1/3
Commercial Lines Insurance
vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also
available.
Commercial Property - provides coverage for your buildings and contents. Coverages range
from specific named-perils policies to broader all-risk policies.
Inland Marine - provides coverage for business assets and hardware while these items are off
premises.
Workers' Compensation - this coverage is designed to meet the workers' compensation laws
of your state. Workers' compensation coverage provides protection for injured workers and
supporting protection through employer's liability coverage.
Commercial Liability - provides coverage including defense for liabilities associated with
operating a commercial business enterprise. Policies are tailored to meet the specific risk
management needs of your business.
Umbrella and Excess Liability - this coverage complements your property/liability program
and provides additional limits of coverage. In today's litigious society, smart business people
protect their investment with umbrella coverage.
Professional Liability - provides coverage for defense costs and awards for liability arising
from improper professional practices and errors and omissions in the conduct of business
activities.
Directors & Officers - designed to protect the directors and officers of your organization from
damages and defense costs due to civil claims, claims of negligence, and of errors and/or
omissions.
Employment Practices Liability - provides coverage for defense costs and liability arising
2/3
Commercial Lines Insurance
from allegations of improper employment practices, sexual harassment, and discrimination.
Home Based Business - homeowners insurance does not necessarily cover many home
business-related claims. This could mean a major loss of income, as well as other significant
losses, for your home business. If you have a home based business consider contacting us to
discuss proper coverage options that offer both protection and affordability.
Ordinance or Law Coverage - one of the most needed types of coverage is also one of the
most commonly overlooked, or even known about, by consumers. It's called Ordinance or Law
Coverage. As your building becomes older certain changes in your county's building codes and
ordinance change to reflect new standards for construction. If your older property suffers a
substantial loss, fixing it may require a higher construction standard to reflect new laws,
therefore simply replacing your property as it was just isn't good enough to meet these new
laws and codes. Ordinance or law coverage pays for these upgrades in building standards.
Special Event Coverage - provides third party liability coverage for a short term special event.
3/3