United Agencies… There When You Need Us Most
In today’s world, running a business can be daunting. With regulatory requirements, employee personalities, insurance needs, competition, and taxes, you have plenty to worry about. If there is one thing we can take your mind off of, it’s your insurance program. At UA, we strive to provide you the best insurance coverage at the most affordable rates possible. Select from the following choices below or contact us for assistance:
This coverage agreement obligates the insurance company to pay all compensation and other benefits required of the employer by the workers’ compensation law or occupational disease law of any state listed in the policy. The coverage applies to bodily injury by accident and by disease.
The Commercial General Liability Policy provides the insurance protection needed to pay damages for bodily injury or property damages for which the insured is legally responsible. In addition, this coverage provides liability for claims arising from personal injury and advertising injury. Coverage for medical expense is also provided. The policy also covers accidents occurring on the premises or away from the premises. Coverage is provided for injury or damages arising out of goods or products made or sold by the named insured.
Commercial Auto liability coverage provides protection against legal liability arising out of the ownership, maintenance, or use of any insured automobile. The coverage also states that in addition to the payment of damages for which the insured is legally liable, the insurance company agrees to defend the insured for all legal defense cost.
Physical Damage coverage can provide protection against loss or damage to a covered auto resulting from the impact with another vehicle or object. In addition, it can provide coverage against other losses such as from fire, lightning, or explosion; theft; windstorm, hail, or earthquake; flood; vandalism.
Property Insurance is any type of insurance that indemnifies an insured party who suffers a financial loss because property has been damaged or destroyed. Property is considered to be any item that has a value. Property can be classified as buildings or personal property. The Building and Personal Property coverage form is the form used to insure almost all types of commercial property.
Umbrella policies are an easy way to increase your liability coverage. These policies provide extra limits of protection for liability claims that would deplete primary policy limits.
Employment Practices Liability (EPLI)
Every year more and more employees are suing their employers! Are you 100% sure that no State or Federal employment laws, which are in constant change, are being violated?
Coverage provides for claims related to Employment Practices such as wrongful termination, sexual harassment, discrimination, and other commonly alleged employment practice violations. Many policies also offer extensive employee training along with employment practices loss prevention services.
A General Liability policy typically does not provide coverage for situations arising out of professional pursuits. This coverage is for individuals or businesses that hold themselves out to the general public as having greater than average expertise in particular areas. Some of these professions would include Doctors, Dentist, Architects, Consultants, Insurance Agents, Engineers and many others.
Directors and Officers (D&O)
Directors & Officers make important decisions for which they might later be sued! This coverage provides personal protection for the Directors and Officers of a corporation for their actions and duties involved in managing the business.
Internet (Cyber) Liability
Any organization operating a Web site or conducting e-business needs protection from an invading army of exposure, such as e-theft, destruction of critical data, defamation, libel, copyright or trademark infringement, e-vandalism, e-threats, denial of service, and more.
Commercial Earthquake Coverage
Earthquake coverage provides protection for loss due to earth movement including earthquake shocks and volcanic eruption.