Insurance is a key component to protecting all business, small to large.
Without the proper coverage in place, businesses are particularly vulnerable to losses from liability claims, property damage, on-the-job injuries and third-party lawsuits. Work with an Ion Insurance agent to identify your specific risks and develop an all-inclusive commercial package that addresses your needs.
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Comprehensive business policies include a number of different coverage types, to ensure you’re protected against potential legal disputes with clients, property damage, workers’ compensation claims and more. Your insurance plan may include a combination of the following.
Commercial bonds are agreements that guarantee the terms of a contract between two businesses are met. Depending on your need, we offer different types of business bonding services.
For new construction projects, renovations and proposed developments, builder’s risk insurance protects the materials, equipment and structures before, during and after production.
When business property is damaged or a company has to shut down due to disaster-related destruction, business income insurance covers loss of profits while the business rebuilds.
Ideal for small to medium-sized businesses needing a solid baseline, a BOP combines business property, general liability and business income insurance into a single policy. Coverages will assist with liability claims against your business, repairing property damage and keeping your company financially afloat when you’re temporarily closed due to a covered peril.
When a business owner chooses or is asked to step down, success planning helps businesses prepare for these unforeseen exits, including Business Valuation.
To protect your rented or owned business space and contents from potential damage, this policy helps in the event theft, storms and fires damage your company’s physical assets.
Also called cyber security and data breach insurance, network protection helps your business recover after someone steals and exploits customer data.
This type of liability insurance protects key individuals from personal losses, should they be accused of a wrongful act while serving as a business director or officer.
Coverage protects your business against disgruntled employees who may claim wrongful termination, sexual harassment or make another legal claim against the company.
In the event a client is unsatisfied with work performed, E & O liability insurance protects your business against this undue risk.
Businesses that offer a benefits package to employees are more likely to attract and maintain the best talent. Our rates on Group Health, Group Life, Group Dental and Group Disability can boost morale and help your company recruit high quality employees!
When the CEO or another key officer retires or passes away unexpectedly, key person coverage is a type of life insurance policy that helps your company with potential losses and finding a suitable replacement.
General liability can protect you in the event a customer gets injured on your property or from your product, your business physically damages someone else’s property, you’re accused of libel or slander and many other occurrences. Other coverage types due to negligence include Excess Liability, Professional Liability and Employment Practices Liability.
This standalone coverage provides additional protection against any potential liabilities facing your business, including bodily injury and property damage. In the event a claim exceeds the limits of your General Liability, Auto Liability or Workers’ Compensation Employer’s Liability, the commercial umbrella may respond to cover these excess liability expenses.
Was an employee injured on the job? As they receive treatment and recover, this policy helps cover their medical costs and lost wages.
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