Business Insurance

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.