Auto / Property / Liability

Commercial Auto, Property, and Liability Insurance

Commercial Vehicle Insurance

Commercial auto insurance policies can be vast and varied, covering a combination of vehicle types and drivers, as well as some motorized equipment used within them.

These policies pay for a number of liabilities, injuries, and damage caused by accidents, theft, fire, or vandalism. Contact DuWayne Kreager Insurance Center to discuss your needs and find the best coverage to protect your commercial fleet.

Hired / Non-Owned Auto Liability Coverage

If you use your privately owned vehicle for your business, even if it is home-run or family owned, your auto insurance policy may not cover the vehicle that is used commercially.

For this purpose, we can find a hired / non-owned auto liability insurance policy that provides business insurance coverage for a rented or a leased vehicle, or a non-owned vehicle, such as those used by employees for a business purpose. You can affordably add this coverage to your existing business auto insurance policy or a general liability policy.

Commercial Auto Collision Insurance

This coverage pays for your damage to your commercial vehicle due to an accident in which either party can be at fault. The repairs are paid for according to the fair market value of the commercial vehicle in question. Choose a policy with a higher deductible to pay less for the collision coverage option.

Comprehensive Coverage for Commercial Vehicles

The comprehensive coverage option pays for damage to your commercial vehicle due to:

Weather phenomenon like hail, hurricanes, and floods
Fire
Animal impact
Theft
Vandalism

Windshield damage is covered in this option as well. Similar to collision coverage, comprehensive coverage takes into account the fair market value of your commercial vehicle to pay for its repairs or restoration. This coverage may be mandatory if you're looking for financing options to buy a commercial vehicle.

We understand that your business has unique transportation needs and you need a specialized commercial auto insurance policy that suits your business. Contact us to share your requirements with us and we'll find the right commercial auto insurance policy for your business.

Commercial Liability Insurance Policies

Alternately known as general liability insurance, the commercial liability coverage option covers a wide range of liability exposures of a business, including:

Business operations liability
Completed operations liability
Premises liability
Product liability
Contractual liability
Contingent liability
Personal and advertising injury liability

All businesses need to have a general liability coverage to ensure that business operations continue despite any untoward development of events. Contact us to add a commercial liability coverage to your business insurance policy today.

Professional Liability Insurance (Errors and Omissions)

In certain professions, the cost of a single error can be massive enough to bring the business down. Errors and omissions (E&O) coverage pays for damage to client data or injury caused due to the negligence, errors, or omissions by your employee.

The coverage option is especially important for these licensed professionals:

Accountants
Architects
Attorneys
Engineers
Insurance agents
Technologists

If you have a business that provides the consultation or direct service by licensed professionals, you can add professional liability (E&O) coverage to your business insurance policy.

Employment Practices Liability Insurance (EPLI)

There are business liabilities associated with employment other than work-related injuries:

Wrongful termination
Discrimination
Sexual harassment
Other alleged violations of employees' legal rights

EPLI insures against your liability, as the employer, for the alleged violations of employee rights. If you hire a substantial workforce, consider adding this coverage to your business insurance.

Directors' and Officers' Insurance (D&O Insurance)

D&O pays for lawsuits against your company caused by the negligence or omissions by your directors and officers. The types of D&O coverage include:

Corporate reimbursement
Personal liability
Entity coverage

You can expand your D&O insurance policy to include EPLI coverage as well.

Cyber Liability Coverage for Businesses

This coverage option pays for costs of defense, settlement, and judgement when your company is sued for a network security liability. The cyber liability coverage claim is triggered when it is alleged that due to your negligence:

There has been an unintended propagation of malware
You've unintentionally participated in a denial of service (DoS) attack
There has been a data breach

Defense and cyber liability coverage pays for damages claimed by a data breach liability suit. Find out more about these coverage options when you contact us for a business insurance policy.

Insurance Policies for Your Commercial Property

Your commercial property is one of the most fundamental assets to your business. With a commercial property insurance, you can protect your business's buildings, inventory, equipment, tools, and more. Commercial property insurance policies insure you against damage by:

Fire
Break-ins and thefts
Vandalism
Windstorm
Other natural and man-made disasters

The insurance policy varies according to the assets attached to your business, and that in turn varies according to your business itself. Contact us and we'll ensure that your commercial property is protected by the right insurance policy and coverage options.

Coverage for Your Commercial Building

Your commercial building, however sturdy, is not built to last forever and withstand everything. Do you have enough commercial property insurance to cover repair and replacement costs? Get the current replacement cost of your commercial building accurately determined by us, and find the right coverage for your building.

Coverage That Pays for Flood Damage

Contrary to popular belief, a separate policy must be purchased to protect your commercial building in the event of a flood. If your commercial property insurance does not have flood damage coverage, call us and we'll help you find the right option to protect your business assets.

Business Personal Property Coverage

If your business has facilities in different locations, it is important that you ensure that your commercial property insurance covers your business assets situated away from the main specified location. If not, you can choose a business personal property coverage takes into account the following at an alternate location:

Furniture
Fixtures
Equipment
Inventory

If your equipment is frequently taken off-site to other locations, be sure to ask us for an inland marine policy (equipment or installation floater).

Business Income (Business Interruption) Coverage

Closure of business can mean disaster for you. Not only should you deal with the loss of income, but also pay for the fixed regular costs of running operations. Business interruption coverage can take these worries off your hands by reimbursing you for lost profits and fixed expenses when your business is closed due to an event, such as a fire, and for the building restoration period.

Business income insurance is also activated when civil authorities limit or completely restrict your customers' access to your business facility or neighborhood after a disaster.

Coverage for Your Electronic Data Processing (EDP) Equipment

A property coverage that is specifically designed for your business's computer-related equipment, the EDP coverage broadens the scope of damage causes to power surges, virus attacks, and more. Overcome the limitation of general property coverage with a specialized EDP coverage for your business's networking and computer-related property.

Call us

to hire our experienced and knowledgeable staff!

800-200-1340

Our business was established in 1983. We're a member of the Independent Insurance Agents of Wisconsin.