Commercial Insurance

Business Owners Policy


A Business Owners Policy is the most popular type of insurance for small business owners. This is the insurance that protects your businesses property and liability. Not all Business Owners Policies are created the same. Many offer additional coverage’s such as valuable papers coverage, money & securities coverage, business income loss coverage, employee dishonesty coverage and various other endorsements based upon the language of the policy and your specific needs.

Contact us today at 260-247-9555 to see what type of coverage is appropriate for you and your business

Workers Compensation

Workers Comp is a coverage that every business with employees must have. It is there to protect you and your staff should you/they become injured on the job. Depending on your occupation and the type of work performed, you will be charged accordingly. As a business owner, your employees are one of your greatest assets. Protect them the way that you would want to be protected.

Contact us about Workers Compensation Insurance

Or

Download a Workers Compensation Indication Request Form.

EPLI

Employment Practices Liability Insurance, often times referred to as EPLI, is one of the fastest growing insurance coverages for businesses worldwide.
What is EPLI?

EPLI, or employment practices liability insurance, is the insurance that a business would buy to protect the business and the corporate officers from being sued should a lawsuit be filed against them related to discrimination or harassment in the workplace. This discrimination can be in the form of any of the following:
· Sexual Harassment
· Racial Discrimination
· Age Discrimination
· Failure to Promote
· Wrongful Termination
· Pregnancy Discrimination/ FMLA
· Disability Discrimination/ ADA
· Religious Discrimination
· Internet/ E-mail Liability
· Third Party Liability
No employer would consider going without General Liability or Property Insurance, yet it is more likely an employer will have an Employment claim than a General Liability or Property claim.
· 41% of employment claims are against employers with 100 or fewer employees.
· It is estimated six out of ten companies have been named in a discrimination or sexual harassment lawsuit in the past five years.
· Over 30 million employment cases have been filed in Federal, State and Local courts.
· 94% of jurors believe the employer should be held responsible even if evidence shows no knowledge of alleged discrimination.
Can your business really afford to move forward without this crucial coverage?

Contact us about this coverage for your business
Bonds

What is Surety Bonding?

Surety is a three party agreement whereby one party (surety) guarantees to another (oblige) that the third party (principal) will perform an obligation. Suretyship is very old, dating itself back to Biblical times, and interestingly enough its basic premise remains the same.

Total Insurance surety professionals can assist you, or any of your clients, in the placement of the following bonds:

· Appeal Bonds
· Conservator Bonds
· Court Bonds
· Employee Dishonesty & Janitorial Services Bonds
· Fidelity Bonds
· License Bonds
· Lost Instrument Bonds
· Permit Bonds
· Probate Bonds
· Public Official Bonds
· Receivers Bonds
· Referee Bonds
· Trustee Bonds
Download an Application for the Bonds Listed Above
· Bid Performance Bond (Application Click Here)
· ERISA Bond (Application Click Here)
· Notary Bond (Please Call)

Click here for your free no obligation Home, Auto or Business Insurance quote or Call (260) 247-9555 x 704 or Emai insurance@totalinsgroup.com.