PROPERTY & CASUALTY INSURANCE
 
 
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BUSINESS IS RISKY

You know your business inside and out, but you might not be aware of the various risks associated with it. And in this case, what you don’t know can hurt you. Regulatory fines, workplace accidents, litigation claims, and may other things can threaten the stability of your company, your employees, and your livelihood.
 
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WE’LL MAKE SURE YOU’RE PROTECTED

Organizational threats differ from business to business. It’s our job to let you know what those risks are, and protect you from potential consequences before there’s a problem. At Combined, our customized commercial insurance packages are tailored just for you, and our ultra-responsive team is there to help with safety and procedural training, claims management, and industry specific expertise.

Risk management doesn’t work very well after the fact.

Let our elite team of specialists pinpoint key areas of concern and make sure you’re covered— before anything happens.
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WORKERS COMPENSATION

Wage replacement and medical benefit options for employees injured on the job.

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COMMERCIAL PACKAGE (BOP)

Full coverage with general and product liability, business personal property, business interruption and more.

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COMMERCIAL AUTO

Flexible coverage, free filing, specialized commercial auto claims service and support.


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EMPLOYMENT PRACTICES (EPLI)

Coverage for employee claims alleging discrimination, wrongful termination, harassment, etc.

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UMBRELLA INSURANCE

Protection from large and potentially devastating liability claims or judgements.

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PROFESSIONAL LIABILITY

Errors and omission coverage for businesses and professionals.


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CYBER INSURANCE

Coverage to protect your organization from internet-based risks.

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CARGO INSURANCE

Protect your business from freight loss or damage due to external causes during shipping.

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PERSONAL LINES

Going beyond business to protect home, auto, and personal assets.

Commercial Insurance Explained

Commercial insurance is designed to protect businesses, their owners, and their employees from losses due to risks such as lawsuits, property damage, theft, vandalism, loss of income, and employee injuries and illnesses. Many businesses have insurance policies that cover intellectual and physical property as well as financial assets.

Common coverages include commercial liability, commercial property, commercial auto, EPLI, workers’ compensation, umbrella, cyber and cargo insurance. There are also many other coverages available to address the unique industries and risks different businesses face. Working with a consultant who specializes in commercial insurance is the best way to ensure your business is properly covered.
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