Commercial Property Insurance
Property insurance reduces the risk of monetary losses in a variety of commercial situations including commercial buildings, production equipment, furniture, inventories, financial records, supplies and other tangible items.

There are two types of losses property insurance will respond to in the event of a claim:

• Direct losses may be covered when property is lost stolen, damaged or destroyed.

• Indirect or consequential losses related to a covered direct loss might also be covered. Such as business interruption coverage resulting from a fire.

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Commercial General Liability Insurance
Commercial General Liability Insurance or Casualty insurance consists of liability coverage’s which protect an insured business against injury or damage claims made by a third party against your company. There are five sections that make up the general liability section of an insurance policy, they are: 

• Premises and operations
• Fire Damage and Legal Liability
• Personal And Advertising Injury
• Medical Payments
• Products/completed operations

Companies now offer a business owner’s policy or BOP’s, this type of policy combines your property/ Liability insurance along with other optional coverage’s into one comprehensive policy. This helps small businesses save time and money on their insurance programs. But since we live in a time where million dollar lawsuits are not uncommon, you may want to consider buying an additional layer of protection in the form of a commercial umbrella for your business. Our staff can consult with your on which avenue best fits your type of business.

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Commercial Auto Insurance
Business automobile policies provide coverage for vehicles your business may own, hire/borrow, or lease for your business. Whether you are a Corporation, Sole Prop, association or a partnership you may have an exposure for business auto you may not have contemplated. Business auto coverage may be used to insure a private passenger automobile, all types of trucks, trailers, semi trailers and other commercial vehicles designed for use on public roads. Our Staff can give you more details about specific coverage’s and deductibles and about tailoring a business auto plan that is right for your business.

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Workers’ Compensation
Workers Compensation Coverage applies to both bodily injury and diseases arising out of and in the course of employment. Any Bodily Injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers’ Compensation provides for the payment of four types of benefits: 

• Medical Benefits
• Income Benefits
• Death Benefits
• Rehabilitation benefits

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Miscellaneous
At Anderson Meyer Insurance we also offer a full range of Bonding, Professional Liability, or Errors & Omissions insurance in order to meet the coverage needs of our customers.