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Business Insurance

Business Owners Policy

Do you own and run a successful business? Do you want a company that works for your business as hard as you do? Rests assured and choose Precision Insurance for your business insurance. We'll work hard for you and our policies are customized with you in mind.

Don't forget to cover it with Umbrella!

Precision Insurance offers an all-inclusive Umbrella policy that can be applied to any Business Owners Policy. An umbrella policy adds another layer of protection and can offer additional coverage in the instance of a catastrophic loss.

Employment Practices Liability Insurance is included!

Keep in mind that Employment Practices Liability Insurance is provided automatically on most business owner policies and covers a wide range of employer/employee related risks that you could be responsible for. It helps you defend against things like wrongful termination, discrimination, slander, defamation, libel, invasion of privacy and sexual harassment.

Operating your business successfully is hard work and the last thing you want to worry about is having the right insurance policy. Precision Insurance understands the unique needs of small businesses and offers flexibility in creating the coverage plan right for your business. Lucky for you, Precision Insurance can help you choose the right carrier for your business, so you focus on success while someone else takes care of the paperwork!

We've got you covered with flexible options for over 600 different businesses. Not sure where your business fits, See our list of examples here.

  • Buildings and structures
  • Newly acquired or constructed buildings
  • Business income and extra expense
  • Glass breakage
  • Backup of sewers and drains
  • Outdoor property

Office

Coverage for your Office

  • Professional Liability - Insurance protection against claims of negligence or malpractice for some classes.
  • Accounts Receivable - Provides insurance against losses caused by damage to your records, which may prevent the collection of funds owed to you.
  • Employee Dishonesty - Available in amounts from $10,000 to $250,000 to help protect you from the dishonest acts of employees.
  • Electronic Data Processing Equipment -A base level of coverage is built into the policy. You can also schedule high value items separately.
  • Business Income Loss - Protection against loss of income for up to 12 months and pays the full cost of necessary extra expenses.
  • Business Personal Property - Insurance protection against loss concerning your business' personal property and the property of your customers while in your care.
  • Valuable Papers - Insurance for the cost to restore information from documents such as medical or legal records, deeds or abstracts.

Retail

Coverage for your Retail Shop

  • Premises Liability Coverage - Insurance coverage for losses caused by bodily injury or destruction of property suffered by customers on your premises.
  • Business Income Loss Protection - Insurance protection against loss of income for up to 12 months and pays the full cost of necessary extra expenses to help you stay in business.
  • Employee Dishonesty Coverage - Available in amounts from $10,000 to $250,000 to help protect you from the dishonest acts of employees.
  • Money and Securities Coverage - For loss of currency and other negotiable instruments on and off your premises, as well as losses due to counterfeit money and bad checks.
  • Seasonal Coverage Increases - Increases your personal property limit during peak periods by 50%, as long as your limit is at least 90% of your average annual contents value.
  • Accounts Receivable Coverage - Provides insurance against losses caused by damage to your records, which may prevent you from collecting funds owed by customers.

Service

Coverage for your Service Business

  • Accounts Receivable Coverage - Provides insurance against losses caused by damage to your records, which may prevent you from collecting funds owed by customers.
  • Business Income Loss Protection - Insurance protection against loss of income for up to 12 months and pays the full cost of necessary extra expenses to help you stay in business.
  • Employee Dishonesty Coverage - Available in amounts from $10,000 to $250,000 to help protect you from the dishonest acts of employees.
  • Electronic Data Processing Equipment Coverage -A base level of coverage is built into the policy. You have the option to increase that level or schedule high-value items separately.
  • Business Personal Property Coverage - Insurance protection against losses concerning the property of other people while it is in your care, custody and control.
  • Tools and Equipment Coverage - Insurance against losses concerning owned, borrowed, rented or leased tools and equipment.

Do we insure you?

Precision Insurance specializes in providing solutions for Business Property, Business Liability, Commercial Auto, Workers' Compensation and Umbrella coverage. Whatever business you are committed to, we are committed to helping you grow and be successful.

Where Does Your Business Fit?

  • Office - Advertising agencies, credit unions, lawyer and medical offices.
  • Retail - Appliance stores, clothing stores, bakeries, book stores, dollar stores, flower shops, ice cream parlors, pizza shops, sub shops and pharmacies.
  • Wholesale - Beverage distributors, appliance distributors,candy distributors, clothing apparel, frozen foods and florist distributors.
  • Service - Accounting services, barber shops, beauty shops, carpet cleaning, dental office, kennels, laundry and dry cleaning and veterinarians.
  • Manufacturing - Bottling, food preparations, metal stampings, plastics and sheet metal and cloth printing.
  • Trade Contractors - Air conditioning, driveway paving, drywall installation, electrical work, wood flooring, floor covering and plumbing.
  • Restaurant - full service or limited or no table service. (With or without alcohol).
  • Auto Service Related - body shops, mechanics, tires, mufflers and auto parts