The fine art of great coverage.
Where would our society be without businesses like yours? Whether you’re in the business of entertaining, educating, or inspiring, you play a vital role in our community. At Harvard Western Insurance, community is one of our most important values, and so we pride ourselves on supporting our community in both direct and indirect ways. Help us support our community by supporting you.
Let’s protect what matters most to you.
Most business owners agree, their employees are the lifeblood of their business, which makes the attraction, retention, and most of all the well-being of your hardworking people a top priority. Many of our commercial clients find employee group benefits to be an effective way of making sure the talent you attracted not only continues to work, but to work for you! Do you already have a plan in place? It may just be time for a review. Let our experienced team help make sure your plan is competitive and running smoothly. Book your free review today.
Products & Coverages
When working in the business of arts, it’s only natural that you have a couple of high value pieces or collectibles around. Regardless of whether these pieces of art are the primary reason people visit your establishment, or if you just have a couple of them classing up the place, you’ll want to protect these valuable assets properly.
The building that houses your business is a crucial aspect of the success of your operations. Theft, vandalism, and weather are just some of the many things that can cause significant damage to your building, and the bill to repair can be even more substantial. Protecting your largest assets with an insurance policy can keep your business from a significant financial set back.
When most people think of insurance, they think about physical assets like their buildings and equipment. If a substantial loss occurs, like a fire burning down your building, it’s great that you have property insurance in place, but all that policy is going to cover is the cost to rebuild your building. What about all the income you’re losing because your business is now closed? Business interruption insurance is an absolute must when it comes to protecting your business from a significant financial loss.
General Commercial Liability
Accidents happen, and if one results in a lawsuit, the financial settlement could be hard for your business to absorb. Damage to a third party’s belongings, or causing injury to a third party isn’t something anyone plans for when they come to work in the morning. Unfortunately accidents happen, so having a general commercial liability policy is essential to financially protecting your business.
This insurance is designed to protect your business from employee dishonesty, robbery and counterfeit forgery. While it’s an unfortunate situation to think about, it can happen. Rather than just hoping it doesn’t, it’s a good idea to have a plan in place so that your business isn’t significantly impacted by a loss.
If your business stores sensitive client information, bank records, or any other vital information on its computer systems, then this coverage is essential. As a business owner it’s important to be realistic about the risk cybercrime poses. To protect yourself fully, you’ll want to talk to one of our advisors who can help assess your situation.