{"id":251,"date":"2024-03-19T20:14:16","date_gmt":"2024-03-19T20:14:16","guid":{"rendered":"http:\/\/3.233.115.23\/~olwinc\/?page_id=251"},"modified":"2024-07-18T18:25:55","modified_gmt":"2024-07-18T18:25:55","slug":"business-insurance","status":"publish","type":"page","link":"http:\/\/3.233.115.23\/~olwinc\/business-insurance\/","title":{"rendered":"Business Insurance"},"content":{"rendered":"
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Business Insurance<\/h1>\n

Operating a business often comes with the unexpected.\u00a0 At O\u2019Neil, Lee & West we will work with you to develop an insurance program.\u00a0 As an independent insurance agency, we can consolidate your insurance needs under one roof.<\/p>\n<\/div><\/div><\/div><\/div>

Includes:<\/strong><\/p>\n

Business Owners Policy (BOP)
\nCommercial Property
\nFlood
\nGeneral Liability
\nLiquor Liability
\nProfessional Liability
\nCommercial Auto
\nWorkers Compensation
\nCommercial Umbrella
\nEquipment Coverage
\nEmployment Practices
\nDirectors and Officers
\nCyber Liability
\nBuilders Risk<\/p>\n<\/div><\/div><\/div>

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Business Owners Policy (BOP)<\/b><\/h2>\n

The business owners policy includes both commercial property and general liability insurance.\u00a0 O\u2019Neil, Lee & West represents insurance companies that write business owners policies that are tailored to your risks.\u00a0 There are optional coverages that can be added based on your needs.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Commercial Property<\/b><\/h2>\n

Commercial property insurance can protect your business from a minor hiccup to a major financial loss.\u00a0 Whether you own your building, lease your workspace or work at home, commercial property insurance protects your business\u2019 physical assets.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Flood<\/b><\/h2>\n

Whether you\u2019re insuring your home or your commercial property, your property insurance excludes coverage for floods that arise from rising surface waters.\u00a0 You will need a flood insurance policy to protect you against this risk.\u00a0 We partner with private insurers and the National Flood Insurance Program to provide flood insurance.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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General Liability<\/b><\/h2>\n

With the daily uncertainties of business management, liability coverage is a necessary precaution.\u00a0 Accidents happen \u2013 on-site, off-site, and with customers \u2013 no matter how much you have planned.\u00a0 Liability insurance can help cover medical expenses, attorney fees and damages.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Liquor Liability<\/b><\/h2>\n

Make sure you\u2019re protected while serving it up.\u00a0 If you\u2019re in the business of selling alcohol, your general liability policy most likely excludes liquor liability.\u00a0 Liquor liability insurance helps protect your business while serving or selling alcohol.\u00a0 This can include claims for bodily injury or property damage caused by an intoxicated patron after you\u2019ve served them alcohol.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Professional Liability<\/b><\/h2>\n

The task of solving complex problems for your clients carries a huge risk: allegations of errors or omissions on your part or your employees.\u00a0 Professional liability insurance protects you in the event of claims due to negligence in the performance of your professional services.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Commercial Auto<\/b><\/h2>\n

Just like you wouldn\u2019t drive your personal car without insurance, your company vehicles require commercial auto insurance.\u00a0 Commercial auto insurance can help cover your financial responsibility in addition to protecting your company\u2019s assets.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Workers Compensation<\/b><\/h2>\n

Plan for the unexpected.\u00a0 O\u2019Neil, Lee & West can help you establish and workers\u2019 comp program that protects your business and your employees.\u00a0 This mandatory coverage provides coverage in the event of an accident, protects you from a lawsuit and your employees from loss of income and medical expenses from on the job injuries.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Commercial Umbrella<\/b><\/h2>\n

You can\u2019t always plan for the unexpected.\u00a0 A commercial umbrella policy protects your business in the event of an accident by providing additional liability protection when your underlying policy limits have been exhausted.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Equipment Coverage<\/b><\/h2>\n

Contractors equipment or inland marine insurance covers your equipment while it is on or off your premises.\u00a0 The policy can cover small tools to heavy machinery.\u00a0 Not only does the policy cover physical damage to tools or equipment, but it can also cover for theft.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Employment Practices
\nLiability<\/b><\/h2>\n

Employers have an exposure to suits brought forth by employees.\u00a0 Employment practices liability protects you, as the employer, against allegations from current or former employees.\u00a0 The coverage is designed to provide coverage for employment related activities.\u00a0 Examples of employment related suits include discrimination, harassment, wrongful discipline, failure to hire or promote, retaliation, and wrongful termination.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Directors & Officers Liability<\/h2>\n

Whether public or private, all organizations should consider directors and officers liability coverage.\u00a0 Your organization\u2019s assets and the personal assets of your directors and officers could be at stake.\u00a0 Directors and officers liability insurance offers protection in the event that a director or officer is held personally liable for failing to fulfill their fiduciary duty.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Cyber Liability<\/b><\/h2>\n

Cyber liability insurance can protect you against suits and other losses because of a data breach or system hack.\u00a0 These can be costly to your business.\u00a0 Cyber liability insurance provides first party protection such as data restoration, loss of business income, cost to notify customers, and ransom coverage.\u00a0 The policy also provides third party protection for potential suits or regulatory inquiries.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Builders Risk<\/b><\/h2>\n

Builders risk insurance protects your new building while it is under construction.\u00a0 Contact O\u2019Neil, Lee & West before you go vertical.\u00a0 Not only does builders risk cover your structure from physical damage, but the policy can also cover materials, supplies, and property in transit.\u00a0 We can tailor coverage based on the complexity of your construction project.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"

Business Insurance Operating a business often comes with the unexpected.\u00a0 At O\u2019Neil, Lee & West we will work with you to develop an insurance program.\u00a0 As an independent insurance agency, we can consolidate your insurance needs under one roof. Includes: Business Owners Policy (BOP) Commercial Property Flood General Liability Liquor Liability Professional Liability Commercial Auto […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page_templates\/home-no-title.php","meta":{"footnotes":""},"class_list":["post-251","page","type-page","status-publish","hentry","editor-pagebuilder"],"acf":[],"yoast_head":"\nBusiness Insurance - O'Neil Lee + West<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/3.233.115.23\/~olwinc\/business-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business Insurance - O'Neil Lee + West\" \/>\n<meta property=\"og:description\" content=\"Business Insurance Operating a business often comes with the unexpected.\u00a0 At O\u2019Neil, Lee & West we will work with you to develop an insurance program.\u00a0 As an independent insurance agency, we can consolidate your insurance needs under one roof. 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