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Commercial Insurance

Large Manufacturers or Mom & Pop retailers…

Every business needs insurance. EVERY business.

While the risks may vary, the reasons for carrying commercial insurance are usually fundamentally the same, as spelled out in this simple definition of insurance:

…A form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.

Who’s responsible for a loss that results in an employee’s negligence, however accidental, that results in a customer’s injury? It’s the business owner. Simply reading the daily paper or watching the news tells you that juries award damages for frivolous lawsuits all the time.

The many risks that businesses face are as diverse as the products and services they offer. Regardless of the size or scope of a business, in a litigious society, the need for adequate liability protection is obvious. The equipment you own, the buildings that house it and the people you employ all require specific protection against unforeseen loss that could prove to be financially devastating. Ultimately, the business is always responsible.

For decades, Evans, Hauseman & Richard has helped businesses big and small obtain coverage that provides protection designed to meet specific needs. You’ve built your business to achieve success. Evans, Hauseman & Richard protects what you’ve achieved.

Commercial Coverage Options include (but are NOT limited to):

  • General/Professional Liability
  • Worker’s Compensation
  • Garage
  • Bonds
  • Errors & Omissions
  • Builder’s Risk Insurance
  • Preparation with dealer licensing
  • Garage liability
  • Mechanic and body shop
  • Cabs and Limousines
  • Umbrella
  • Autos & Fleet

CONTACT US today for Commercial Insurance – designed with YOUR business in mind.