Commercial Insurance

Protecting you and your business

Whatever your business, Maggiacomo Insurance Agency can tailor an insurance business package for you. Whether you need to insure your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business.

Many businesses are able to save time and money on their individual insurance policies with a Business Owners Package, which combines your Liability, Property and other types of coverage into one comprehensive policy.

Depending on your business and your level of exposure, we may suggest a package that includes some of the coverage options on the left.

Property Insurance

Property insurance provides coverage for property that is lost, stolen, damaged or destroyed. This could include damage to the actual commercial building or equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Commercial General Liability Insurance

Commercial liability insurance protects a policyholder against injury or damage claims made by other parties.

You can receive commercial general liability policies to cover:

  • Premises and Operations
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

Business Auto Insurance

Business auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semi-trailers and commercial vehicles designed for use on public roads.

Workers’ Compensation

Workers’ compensation coverage applies to bodily injury and diseases arising out of and in the course of employment, including death resulting from an accident. Bodily injuries must be accidental, and only occupational diseases that are unique to the occupation are covered.

Workers’ Compensation provides the following benefits:

  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits

Maggiacomo also can work with our workers’ compensation companies to recommend cost-effective ways to control expenses through safety engineering and claim services.

Fire Legal Coverage

Fire legal coverage provides coverage for you if you rent a business space and are held responsible for fire damages to that rented space. It does not apply to all business risks.

Business Interruption/Extra Expense coverage

Business Interruption/Extra Expense coverage provides coverage for income loss and the expense of establishing a temporary site during repairs due to damages related to a fire or compensable loss. Loss of Rental Insurance Income coverage is also available.

Umbrella Liability Policy

Since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. An Umbrella policy is a form of additional liability insurance that provides an added layer of protection for assets in the case of a catastrophic loss. It protects your business assets and future earnings from court awarded settlements pertaining to business liability exposures. Maggiacomo Insurance can tailor a quote to your specific needs.