Business Umberella Insurance
Insurance That Works as Hard as You Do
Running a small business means juggling a lot of moving parts, and the last thing you want is to be blindsided by the unexpected. That’s where a well-rounded small business insurance policy comes in—protecting you from risks while giving you peace of mind.
What we cover
Sometimes, your standard liability coverage may not be enough. Picture this: an employee is out making deliveries, and they get into an accident that leads to multiple injuries. If the medical bills surpass your commercial auto insurance limits, your business would typically be on the hook for the extra costs. But with commercial umbrella insurance, that excess liability is covered—saving your business from financial strain. Plus, many policies even offer legal support, so you won’t have to navigate tricky situations alone.
General Liability Insurance
Protects your business from third-party claims of bodily injury, property damage, and personal injury. This is essential for covering medical costs, legal fees, and settlements.
Professional Liability Insurance
Shields you from claims of negligence, mistakes, or failure to deliver a service as promised. This is critical for consultants, freelancers, and service-based businesses.
Workers’ Compensation Insurance
Covers medical expenses and lost wages for employees who get injured or become ill on the job.
Commercial Property Insurance
Protects your business property—whether it’s a building, equipment, or inventory—against damage from fires, theft, or natural disasters.
Commercial Auto Insurance
Provides coverage for vehicles used in your business, protecting against accidents, liability claims, and damage to your vehicle fleet.
Business Interruption Insurance
Offers financial protection by covering lost income and operating expenses if your business is forced to close due to a covered event like a fire or natural disaster.
Why The Ford Agency
We understand that no two businesses are alike. That’s why we offer flexible insurance options designed to match your company’s unique needs. From protecting your assets to covering potential liabilities, we’ve got you covered every step of the way. Whether you're a startup or an established small business, our commercial liability insurance is a must-have in any solid risk management plan.
SPECIALTY INSURANCE
What is Specialty Insurance?
If you own one of the following items, you may want to consider purchasing an additional specialty insurance policy to cover any accidents, theft, or damage.
- High performance or collector vehicles
- ATV- Motorcycle
- Boat
- Recreational Vehicle
- High Value Home
- High Value Renters
- Collectables and collections
- Jewelry
Motorcycle or ATV
Motorcycle insurance, like ATV insurance, is separate from traditional car insurance. It will reimburse you for expenses related to accidents, injuries, and lawsuits and can also help you replace your motorcycle if it is damaged or stolen. Motorcyclists involved in an accident with a driver who has inadequate or no insurance will also receive financial support through their own insurance policy, which can save them a significant amount of money.
Boat Insurance
Boats typically require owners to maintain insurance policies. Boat insurance covers loss or damage of a variety of watercraft, including most motorboats (fishing boats, etc.) and pontoon boats, paddle boats, leisure crafts, and yachts. Typically it does not cover canoes, kayaks, and other small or personal watercraft. Boat insurance covers collisions, property, and bodily damage, and theft. Additional coverage can be purchased for medical payments, fishing equipment, and oil spills, among other options.
RV Insurance
RV insurance covers you from excessive financial loss in the event of an RV accident, including property and bodily damage to you or other motorists. RV insurance is a separate policy from car insurance. Additional coverage options can include campsite and vacation coverage and full-timer coverage if you plan to live in your RV as your full-time residence for a period of time. Without this type of insurance, you can be faced with extensive financial burdens to repair or replace your RV while traveling.
High Value Home or Renters Insurance
High-value home insurance is one of the most comprehensive types of insurance available and is tailored to provide coverage for homes with special design elements and other features, homes that were designed by an architect or decorated by an interior designer, or homes that have historical significance.The same is true for high-value apartments or condos being rented. This type of insurance can also cover high-value art, rugs, jewelry, and other special items, like antiques, that are stored inside the house. High-value home insurance can be beneficial even for homes that are modest but older or historic so contact us to see if your home is eligible.
