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.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
