Business Insurance

Business meeting

Being an entrepreneur or business owner entails risks.


But there are some risks that you just can’t afford to take without the right insurance coverage.

At Baluja & Associates, we understand the challenges of starting and growing a business. We’ve helped companies, contractors, entrepreneurs and small business owners find the right business insurance plans they need to stay on the path to success:


  • Workers' Compensation - Insurance which covers the employer for the responsibilities of injuries, diseases, disability, and/or death of employee during course of employment as described by state laws.
  • Commercial General Liability - Insurance that provides coverage for most of the business liability exposures. Coverage includes Premises and Operations, Products and Completed Operations, Contractors Liability, and Contingent Liability.
  • Business Auto - Insurance that provides coverage for Physical Damage to insured vehicles and Liability coverage for Bodily Injury & Property Damage arising from the individual’s operation of owned, leased, hired or borrowed vehicles.
  • Property - Insurance that provides coverage against loss to real and personal property such as commercial buildings, equipments, furniture, fixtures, and inventories.
  • Inland Marine - A form of insurance originally designated as an extension of Ocean Marine coverage to insure transportation of goods on land. Today, it covers in addition to goods in transit, a variety of portable properties.
  • Umbrella - Excess Liability insurance coverage providing additional protection over General, Auto and Workers' Compensation Employer Liability coverage.

If you are looking for better insurance options for your company, take a moment to talk with an experienced Baluja & Associates business insurance professional.

We will examine your individual situation, review your options and help you customize a plan that will help you grow your business now and into the future. Call or contact us today for a free consultation.