The Right Commercial Insurance Policy for Any Business
At Peebles Insurance we understand that any agent can provide insurance coverage. We feel that is not enough, so we go beyond just providing coverage. We provide the service to make it work for your business. We provide all major coverages as well as many specialty insurance policies and we offer commercial insurance coverages for needs such as group health insurance, general liability, workers compensation, general liability, oil & gas insurance, professional liability, nursing home insurance, and wholesalers insurance just to name a few.
Most commercial insurance coverages can be purchased individually, but a good insurance program needs to be designed for your specific risks by an agent who understands your business. Call us about any question that you might have about your business insurance needs.
Commercial insurance coverage and the service to make it work for your business.
From insuring a fleet of 100+ vehicles, to a metalworking operation, to protecting employees in the office or traveling abroad, we have the solution for your company. Many of our products include features that are missing or expressly excluded from typical industry policies. We work for you.
Commercial Auto
Virtually every business has some Automobile Insurance exposure. If the business owns cars or trucks it has the potential to suffer loss from the Physical Damage of the vehicles. But even if your business does not own vehicles it has exposure for the liability of accidents of employees while driving a rental car or personal car on company business. Commercial auto insurance is a must to help protect your company from the many risks that face business today.
Business doesn’t happen in a vacuum. Many businesses require the use of a fleet or company vehicles. If you’re one of them, consider getting a Commercial Auto policy from an insurer who will put your needs first — Peebles Insurance Agency.
Why Commercial Auto Insurance Is Important
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Fleet Insurance Solutions
No fleet solution is ever complete without a carefully crafted fleet insurance package. And with over 25 years of experience , we’re among the most capable in the industry in determining your unique risks, understanding your needs, and helping you choose the coverage for your fleet. We offer fleet insurance packages that are among the most highly rated and competitive in the industry.
We offer attractive coverage for physical damage, liability, or both, with flexible deductibles.
Insure your fleet for 100% physical damages
$1 million in liability protection
Flexible deductibles ranging from $0 to $2500
We can supplement your self-insured comprehensive with liability insurance, too
If you think you may need Commercial Auto Insurance, contact us or request a quote and let us help.
General Liability
General liability insurance protects business from the risk of being held legally liable for negligence to others. It covers bodily injury, property damage, personal injury and advertising injury. General liability insurance covers both legal costs and payouts for which the policyholder would normally be held responsible. It includes products liability for manufacturers and distributors and completed operations of a contractor.
If you own or manage a business, it’s crucially important to protect it from the financial damage of litigation with General Liability coverage. As an experienced and commercially-focused independent agency, Peebles Insurance Agency has the expertise to find General Liability Insurance policies that meets your business’ coverage and financial needs.
Why Is General Liability Insurance A Good Investment?
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability Insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
Broad Range of General Liability Protection
Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
Property Damage coverage for the physical damage to property of others or the loss of use of that property
Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided
Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
Contractual Liability extends to any liability you may assume by entering into a variety of contracts
Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
If you think you may need General Liability Insurance, contact us or request a quote and let us help.
Workers Compensation
The North Carolina Workers Compensation system is the method by which covered workers are compensated for work-related injuries or illnesses. An employer's insurance company, self-insurance group with a certificate of approval, or an individual employer with a certificate of authority to self-insure pays benefits for work-related injuries, even if the injured worker’s negligence contributed to the accident.
If you own or manage a business, chances are you'll need Workers Compensation Insurance. As a commercially-focused independent agency, Peebles Insurance Agency can help find the right Workers Compensation policies for your business' needs.
Do I Need Workers Compensation Insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy Workers Compensation Insurance. These policies cover workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers Compensation Insurance provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Workers Compensation Insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.
If you think you may need Workers Compensation Insurance, contact us or request a quote and let us help.
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