Unique solutions for your business

Having the right insurance in place means you can operate your business with greater confidence every day. When determining the right type of coverage for your business, there are lots of factors you’ll need to consider. Let us help tailor a policy that meets your business’ unique needs.

Business Owners’ Policy

Also called a BOP, business owners’ policies provide combined coverage for property damage, general liability, loss of income, equipment breakdown and other types of protection, all in one convenient policy. Business owners’ policies can be an ideal solution for many business owners, especially owners of small businesses, but in some cases, the coverage may fall short of what your business needs in order to remain protected against loss. At Falco and Associates, we can help you decide if a business owners’ policy is a good choice for you and your business’ needs.

Workers’ Compensation

Workers’ compensation is required by most states, either through a state-mandated program or through self-insurance. These policies offer reimbursement of medical costs and lost wages for employees who are injured while on the job. The amount of workers’ compensation coverage you need can vary. Our agents are skilled in determining the amount of coverage your business needs to remain compliant with regulations and to be well protected against potential injury claims.

Commercial Auto

Commercial auto insurance provides necessary protection for the cars, trucks, vans and other vehicles you or your employees use for work-related purposes. Just like your personal auto insurance policy, commercial auto insurance policies can provide coverage for property damage, personal injury protection (PIP) and medical costs, liability, collision, comprehensive and uninsured motorist coverage to protect you and your employees when you’re involved in an accident where the other driver does not have insurance. Let us review your needs and create a policy to protect your vehicles, your workers and your business.

Business liability insurance is a critical component of your company’s risk strategy, ensuring you’re protected against claims of bodily injury, property damage or other losses. Let us help you make sure you get the liability coverage you need to protect your business against potential claims or lawsuits.

General Liability

General liability provides a broad range of coverage to make sure your business is amply protected against lawsuits and legal claims, including claims that arise when someone is injured on your property or when injury or property damage occurs as the result of your business operations. It also offers protection against claims of libel, slander, and other forms of false or misleading advertising as well as copyright infringement. In addition to paying for monetary awards, general liability insurance pays for the costs of your business’ legal defense.

Products Liability

If your company manufactures or distributes any type of product, you run the risk of having a customer initiate a lawsuit based on claims that the product caused some type of injury, property damage or other monetary loss. Product liability insurance protects your company against those claims, providing coverage for both monetary damages and legal defense costs.

Professional Liability (E&O)

Whether you call it professional liability, errors and omissions or E&O insurance, they all mean the same thing: Your business will be covered against loss in the event a customer claims you or your employee gave misinformation, neglected to give information, or was otherwise negligent in providing professional services or guidance.

Liquor Liability

Liquor liability insurance coverage is a must-have for any business that sells or serves liquor. That’s because your business could be held liable for any injuries or other damages caused by someone who consumes the liquor you sell. Although it may seem like the individual who consumed the liquor and caused the damage would be the sole responsible party, legal decisions have shown that is not the case. Having adequate coverage is an important part of making sure you and your business are properly protected.

Contact us today.

Interested in learning how Falco and Associates can help you get the liability coverage your business needs? Call us today at 610-495-8840 and speak with one of our agents to discuss your options.

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