For All Your Commercial Insurance,

We’ve Got You Covered.

Your business is unique. Your insurance coverage should be too. As small business owners ourselves, we understand that your company can’t fit neatly into a pre-formed box. An online store has very different needs than an auto repair shop, for example. And an auto repair shop that fixes luxury cars requires different insurance than one that does domestic body repair.

That’s why, at Semel Risk Consultants, we give you the option of choosing from a variety of different plans that will cover your particular needs. You can choose from insurance plans tailored to your industry or your location. Some businesses need to add on specialty products, such as business interruption, equipment breakdown, and cybersecurity insurance. You can also choose to purchase general liability, workers’ compensation, property, and crime insurance if you’d like.

Call us today, and we’ll help you choose the best commercial insurance products for your business.

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Types of Commericial Insurance

  • Builders’ Risk Insurance

  • Business Interruption Insurance

  • Business Owners Package Insurance

  • Cargo Insurance

  • Commercial Auto Insurance

  • Commercial Property Insurance

  • Commercial Trucking Insurance

  • Commercial Umbrella Insurance

  • Contractor’s General Liability Insurance

  • Cyber Liability Insurance

  • Directors and Officers Insurance

  • Employment Practices Liability Insurance

  • Farm / Agribusiness Insurance

  • Garage Insurance

  • General Liability Insurance

  • Hotel & Motel Hospitality Insurance

  • Kidnap & Ransom Insurance

  • Liquor Liability Insurance

  • Manufacturers Insurance

  • Medical Malpractice Insurance

  • Non-Profit Insurance

  • Product Liability Insurance

  • Professional Liability (Errors & Omissions) Insurance

  • Restaurant & Bar Insurance

  • Special Event Insurance

  • Surety Bonds

  • Technology Insurance

  • Wholesalers & Distributors Insurance

  • Workers’ Compensation Insurance

There are many different types of commercial insurance, including:

Property insurance- This covers damage to your business property due to fires, storms or other disasters.

Commercial auto insurance- This covers any commercial vehicles that your company owns, leases, or rents. It also covers the drivers of the vehicles for collision, liability, property damage, personal injury and “comprehensive.”

Workers compensation- This legally-mandated insurance covers your employees if they become injured or ill while working.

General liability insurance- This covers third party liability claims (i.e. from lawsuits) for injuries to other people.

Professional liability and malpractice insurance- In some professions, this is legally mandated. It covers professionals against lawsuits or loss caused by negligent professional behavior or advice that lead to a person’s loss or injury.

Product liability insurance- This insurance covers your company against judgments resulting from faulty products.

Loss of income- If you can’t operate your business for some reason, loss of income insurance covers your expenses, such as rent and wages.

Cyber-crime insurance- Protects your business from risks due to hacking, Internet use, and online communications.

Specialty coverage- This insurance covers specific business risks in various industries, like farming, real estate, or event hosting.

Semel Risk Consultants understands how important it is to deliver quality commercial insurance coverage at affordable rates. You’ve worked hard to build your business, and you take care to develop safe habits to protect your customers, your employees and your property. That’s why, at Semel, we are always looking for ways to lower your insurance rates. If you are a careful business owner and employer, we will input all of those factors into our risk assessment tool in order to negotiate the best possible price for your insurance coverage.

The best way to bring down your insurance premiums is to reduce your risk factors. There is an infinite number of ways to do this, but here are some examples:

  • Implement an employee safety training program.
  • Post signs warning of hazardous areas.
  • Use safety gear for all potentially hazardous tasks.
  • Keep your property well-maintained.
  • Use a burglar alarm.
  • Install firewalls and other digital safeguards.
  • Improve your credit rating.
  • Raise your deductibles.
  • Pay your premiums up front.
  • Do regular risk management reviews.
  • Categorize employees properly.

If you need more ideas, give us a call! We’ll be happy to discuss your commercial insurance needs and risks.

After an accident, property damage, or any kind of loss, it is important to call your Semel agent as soon as possible. Our existing clients can reach us 24/7 by phone or email.

The biggest factor in determining your insurance needs is the business type. As we discussed above, different types of businesses come with different risks and thus have different needs. Other important considerations include:

  • Number of employees.
  • Location.
  • Annual revenue.
  • Length of time in business.
  • Whether you own, lease, or rent the property from which you do business.
  • Whether or not you have commercial vehicles.

Call us to discuss your particular insurance needs. We can help you choose the perfect insurance coverage for your business.

The biggest factors in determining your premium rates are the size of your business, the insurance coverage you require, and your company’s risk factors. It is impossible to estimate how much you’ll pay without doing a complete risk assessment. Call us so that we can discuss your needs and give you a free rate quote.

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