Business Insurance

For over 30 years Highsmith Insurance has provided the service and expertise in advising business owners on the best coverage available. Concentrating on quality of carrier, eliminating unnecessary coverage/ expenses, and finding the best premiums for our clients, we pride ourselves on being an active addition to your company. Let us help you select the right solution for your particular business.

 

Below is a partial list of insurance coverage we offer along with a summary definition of the coverage.

General Liability

Liability insurance is purchased to protect the assets of a business from negligent act that could result in monetary loss in the course of doing business. Covered general liability claims can include bodily injury, property damage, personal injury, and advertising injury.

Worker's Compensation

Generally a state or federal mandated form of insurance covering workers injured in job- related accidents or sickness. This valuable insurance coverage is designed to compensate employees for lost time and medical costs. It also provides for rehabilitation for displaced workers.

Umbrella/Excess Liability Insurance

Umbrella liability covers losses above and beyond those of underlying policies such as general liability insurance and automobile insurance. As an added benefit, coverage afforded by umbrella insurance is sometimes broader than that of underlying policies. Excess Liability is used in order to provide a higher limit, in excess of the limits, for general liability insurance and is not an umbrella form.

Property and Equipment Insurance

Property insurance covers items such as your building, leasehold improvements, signage, equipment, and personal property. It can include coverage for employee theft, forgery and/or dishonesty. This is often packaged with general liability insurance.

Commercial Auto Insurance

This insurance covers your business autos for a variety of coverages including liability for owned and non owned commercial vehicles. There are other coverage enhancements that may be needed as well for rental autos, lease gap coverage and more.

Professional Liability Insurance

This coverage is generally used by a variety of professional to protect them or their firms from errors or omission they might be liable for in the course of doing business. We have a variety of programs for all types of programs for you professional liability needs.

Directors and Officers Liability Insurance

Directors and Officers Liability Insurance is insurance payable when boards of directors are found liable for decisions or errors made in the course of doing business individually or as a board. These types of claims can develop large defense as well as settlement costs.

Construction Surety

Highsmith Insurance has a deep understanding of the construction industry, which allows us to offer you the best bond products and services.