Business Insurance from United Fire Group

Business Auto Business Owners Policy Commercial Crime Commercial Property Commercial Umbrella Contractors E and O Garage Service Programs General Liability Inland Marine Religious Institution Program Small Contractor Program Workers Compensation Business Insurance You’ve spent an enormous amount of time putting your personal touches on your business, making it your own. A devastating event can turn everything you have built upside down in the blink of an eye. Unfortunately, we never know when life will take these unexpected twists. But, with insurance protection from United Fire Group, you don’t have to worry about the twists and turns that life tosses your way. We will protect your business and be there when you need us most. To learn more about the business insurance provided by United Fire Group, click on the additional resources below. Or, contact one of our independent insurance agents today to customize the coverage you need to protect your business. Business Auto Business Owners Policy Commercial Crime Commercial Property Commercial Umbrella Contractors Errors and Omissions Garage Service Program General Liability Inland Marine Religious Institution Program Small Contractor Program Workers Compensation Business Insurance Business Auto Business Owners Policy General Liability see more... Businesses We Protect Contractors Manufacturing and Industrial Merchants and Retailers see more... 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Personal Insurance Auto Insurance Condo Owners Insurance Homeowners Insurance Identity Recovery Services Motorcycle Insurance Renters Insurance Umbrella Insurance Surety Bonds Surety Bond Basics Contract Bonds Fidelity Bonds Judicial Bonds License and Permit Bonds Public Official Bonds Obligee Work Zone Life Insurance Annuities Term Life Universal Life Whole Life   Overview Business Auto Business Owners Policy Commercial Crime Commercial Property Commercial Umbrella Contractors E & O Garage Service Programs General Liability Inland Marine Religious Institution Program Small Contractor Program Workers Compensation Related Links Surety Bonds Personal Insurance Life Insurance Business Auto Whether your business has one vehicle or many, business auto insurance is an essential part of any business insurance plan, especially if the vehicles are used primarily for commercial purposes. We can insure many types of vehicles and fleets ranging from private passenger vehicles and pickups to heavy trucks with local and intermediate operating distances. Basic Coverage Personalized Coverage Business auto insurance is an essential aspect of your business insurance program. Our product is designed to protect your business from physical damage or liability losses involving vehicles that are vital to your operations. Depending on the coverage you choose, United Fire Group’s business auto insurance provides coverage to repair or replace a vehicle damaged in an accident and will pay the claims of any third party injured in an accident. In addition to your basic business auto policy, United Fire Group offers: Auto Composite Rating Plan: This program is designed for larger fleets. It allows United Fire to calculate one rate that will be charged for each vehicle in a specific vehicle class, which means less paperwork and fewer hassles for you, our policyholder. Business Auto Ultra: This add-on coverage is designed to offer high-value protection at a low cost by broadening the coverage provided by our business auto policy. Some of the coverages included in our Business Auto Ultra endorsement include towing and labor; rental reimbursement and additional transportation expense; personal effects coverage for certain personal effects when a covered auto is stolen; employees as insured (covers individual liability of employees using their own autos); automatic additional insured when required by contract or agreement; and physical damage coverage for hired, leased, rented or borrowed autos.   Contact one of our independent insurance agents today to customize the coverage you need to protect your business. Owning your own business can be both rewarding and satisfying, but it also comes with its own set of worries and frustrations. Every business has its own unique exposures that could cause a severe financial loss if not properly insured. You have enough things to worry about as a business owner; insurance shouldn’t be one of them. Let United Fire Group protect you. Basic Coverage Personalized Coverage United Fire Group’s business owners policy is designed especially for business owners, combining property, liability and crime protection. It includes a variety of enhancements that offer protection for many aspects of your business, including: Data processing, Security breach and identity theft services, Employee dishonesty, Money and securities, and Equipment breakdown, which covers the cost to repair or replace mechanical, electrical or pressure systems that suffer a breakdown. Some of the types of equipment covered are air conditioning systems, boilers, computers, electrical systems and refrigeration units. To better meet your needs, you can customize your insurance policy with a variety of optional coverages. Blanket Limit coverage: If your business has multiple locations, a single limit of insurance will apply to all locations. This is important because it ensures that your inventory will still be covered, even if it moves between locations. Spoilage coverage: This type of add-on coverage isn’t just for restaurants. Spoilage coverage can help cover lost revenue should your business lose perishable products due to covered causes of loss, such as power outages or the breakdown of coolers and refrigerators. Hired and Non-Owned Auto: This coverage is available if your business does not have any owned autos, but borrows or hires an auto.   Contact one of our independent insurance agents today to customize the coverage you need to protect your business. Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

 

Overview

Business Auto

Business Owners Policy

Commercial Crime

Commercial Property

Commercial Umbrella

Contractors E & O

Garage Service Programs

General Liability

Inland Marine

Religious Institution Program

Small Contractor Program

Workers Compensation

Related Links

Surety Bonds
Personal Insurance
Life Insurance

Commercial Crime

Owning a business comes with numerous risks, including crime. At United Fire Group, we understand that this can be a constant worry for business owners. With our commercial crime insurance, your mind will be at ease knowing that we will protect you, if your business is affected by a crime.

United Fire Group commercial crime insurance offers your business coverage for a variety of crime activities, including:

• Employee theft,
• Forgery and alteration,
• Theft of money and securities,
• Funds transfer fraud, and
• Money order and counterfeit paper currency.

Contact one of our independent insurance agents today to customize the coverage you need to protect your business.

Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

 

Overview

Business Auto

Business Owners Policy

Commercial Crime

Commercial Property

Commercial Umbrella

Contractors E & O

Garage Service Programs

General Liability

Inland Marine

Religious Institution Program

Small Contractor Program

Workers Compensation

Related Links

Surety Bonds
Personal Insurance
Life Insurance

Commercial Property

United Fire Group understands the risks you face as a business owner. We have carefully developed commercial property insurance solutions for any size business; from a locally-owned company on Main Street to one on the Fortune 500 list.

Basic Coverage

Personalized Coverage

Properties require constant upkeep. And no matter how diligent you are in your efforts to maintain your property, unexpected losses can and do occur. We protect a wide variety of commercial property from fire, theft and natural disaster.

In addition to our basic commercial property policy, United Fire Group offers:

• Commercial Property Plus: This endorsement broadens the coverage provided by our commercial property policy, allowing you to customize the coverage to meet your exact needs.
  • Additional and Extended Coverages include lock replacement, business income and extra expense, property in transit, fine arts, employee theft, forgery or alteration, and security breach/identity theft.
  • Increased coverage limits include debris removal, electronic data, valuable papers and records, fire department service charge, and personal effects and property of others.
• Contractors Property Plus: This add-on coverage provides increased coverage for fire department service charge, pollution cleanup, newly acquired property, valuable papers, signs, outdoor property, accounts receivable, fire extinguisher recharge, data processing, and lock replacement.
• Equipment Breakdown: You can enhance your policy to cover the cost to repair or replace mechanical, electrical or pressure systems that suffer a breakdown. Some of the types of equipment covered are air conditioning systems, boilers, computers, electrical systems and refrigeration units.
  Some costs your business may accrue due to a piece of equipment breaking down are also covered. These costs include coverage for business income, data restoration, service interruption, demolition and increased costs of construction, refrigerant contamination and perishable goods.
• Restaurant Property Plus: Designed especially for restaurant owners, this add-on offers a variety of specialty coverages, such as spoilage, food contamination, employee theft and outdoor signs.
• Winery Plus: From vineyard to tabletop, we can ensure a vintner’s peace of mind by enhancing the commercial property policy with our Winery Plus endorsement. This additional coverage protects employees, buildings, equipment and, of course, wine.

 

Contact one of our independent insurance agents today to customize the coverage you need to protect your business.

Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

A huge liability loss can strike at any time. As a business owner, you have more to lose and more ways to lose it. If your business was found to be at fault for an event, would you have enough insurance from your current commercial liability policies to cover another person’s injuries? Could you stand to lose everything, including the business you’ve worked so hard to build, as a result of this unfortunate event?

We live in an increasingly litigious society, which is why it is crucial, especially for business owners, to have an extra layer of liability coverage. That’s where United Fire Group’s commercial umbrella policy can help.

The commercial umbrella program from United Fire Group provides additional liability protection, picking up where your commercial general liability and commercial auto liability policies leave off.

Plus, unlike others in the industry, our commercial umbrella is a true umbrella policy, meaning that you are protected against some claims that may not be covered by your underlying policies.

We encourage you to take this opportunity to learn more about how our commercial umbrella program can protect you from the day you have a claim. It could be the most important policy you ever purchase for your business.

Contact one of our independent insurance agents today to customize the coverage you need to protect your business.

 

Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

As a contractor, you manage multiple projects at one time, with your customers depending on you to complete their jobs on time and on budget. But, no matter how careful you are, mistakes can happen. You need the coverage to protect your business from losses caused by defective materials or faulty workmanship. These types of losses can have a devastating impact on your business’ production, profitability and reputation.

The contractors errors & omissions (E&O) policy from United Fire Group offers unique coverage to protect you against four important coverage exclusions in a standard general liability policy:

• Product exclusion: Most general liability policies exclude damage to your product after the customer has taken possession. With our contractors E&O policy, you are protected against claims of faulty workmanship and materials and against the resulting loss incurred.
• Work exclusion: Most general liability policies exclude property damage to your work. With our contractors E&O policy, you are protected against damage to your work after your portion of the job or project has been completed.
• Professional liability: Most general liability policies provide protection only when you are legally liable for injury or property damage to a third party. With our contractors E&O policy, you are protected when you are legally responsible to pay compensatory damages as the result of your error, omission or negligent act while acting in the capacity of a contractor.
• Product recall exclusion: Most general liability policies exclude losses incurred when your products or work are withdrawn from the market or from use because of defect or deficiency. With our contractors E&O policy, you are protected when acting in the capacity of a contractor from costs, losses or expenses incurred due to your product or work being recalled.

Before something unexpected happens, we encourage you to learn more about the contractors E&O coverage from United Fire Group. It could mean the difference between staying in business or closing your doors.

 

Contact one of our independent insurance agents today to customize the coverage you need to protect your business.

Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

You are in the business of fixing things. For each vehicle you work on you must bring the knowledge, skills and experience to quickly identify the source of the problem and take the steps needed to fix it. And, just as your customers depend on you to get their vehicles up and running, you can depend on United Fire Group to keep your shop up and running in the event of a loss.

Basic Coverage

Personalized Coverage

Our garage service insurance programs are designed especially for garage-oriented operations, such as auto repair, body shops, transmission repair and muffler services. We combine broad property, liability and crime protection to keep your shop safe, including coverage for:

• Automotive diagnostic and repair equipment,
• Pollution cleanup and removal,
• Station damage,
• Valuable papers,
• Certain expenses associated with the loss of a key employee, and
• Equipment breakdown, which covers the cost to repair or replace mechanical, electrical or pressure systems that suffer a breakdown.

To protect your shop further, you can choose from a variety of add-on coverage options to cover your unique business needs. Some of our most popular options include additional coverage for:

• Towing and labor,
• Rental reimbursement, and
• Mechanics errors and omissions, which include protection from losses caused by defective materials or faulty workmanship.

 

Contact one of our independent insurance agents today to customize the coverage you need to protect your business.

 

Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

Purchasing a general liability insurance policy is usually the first step a business takes to protect its assets. In an increasingly litigious society, where value judgment awards have increased over the years, having this type of protection is critical.

Basic Coverage

Personalized Coverage

General liability insurance covers claims of damage and injury caused by the insured over the course of business; it protects a company and its employees from a variety of incidents, including:

• Bodily injury,
• Property damage, and
• Contractual liability.

To broaden your coverage, United Fire Group offers:

• Ultra Liability Plus endorsement: By choosing the Ultra Liability Plus endorsement, you can broaden the coverage provided by our general liability policy, allowing you to customize the coverage to meet your exact needs.
• Pollutant Redefined endorsement: This option provides coverage for carbon monoxide poisoning due to faulty workmanship.
• Employment-Related Practices: All employers face the reality that they may be the target of legal action from past, present and prospective employees. In response to this increase, we offer Employment-Related Practices Limited Defense and Indemnity Liability add-on coverage. It provides coverage for a wide range of claims, including: discrimination, demotion or failure to promote, negative evaluation or discipline, wrongful refusal to employ, wrongful termination, wrongful denial of training, and retaliatory action against an employee.

 

Contact one of our independent insurance agents today to customize the coverage you need to protect your business.

 

Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

Many small business owners find inland marine coverage essential to protecting their business property. Don’t let its name fool you. You don’t have to be near water to purchase inland marine insurance. Inland marine provides coverage for your business’ goods that are in transit and other special property and equipment that is important to your business, but isn’t covered by another insurance policy.

Basic Coverage

Personalized Coverage

Our basic inland marine policy covers property and equipment that isn’t covered by another source of insurance, including:

• Buildings or structures under construction
• Computer data and equipment
• Collections of fine art, musical instruments or photographic equipment by businesses, educational institutes or musical groups
• Materials, supplies, equipment, machinery and fixtures that are owned by you, or for which you are legally liable, that are to be installed while the property is at a construction site, in transit, or at a temporary storage site

Protect your business further with United Fire Group’s variety of add-on coverage options, including:

• Contractors Equipment Program: Just as the name implies, this coverage is for your equipment, as well as equipment in your care, custody and control. It applies to all equipment, whether owned, rented or borrowed, rather than only equipment you list in your policy. Our Contractors Equipment Program even includes rental reimbursement coverage, which pays part of the cost of renting substitute equipment when covered property has been put out of service by a covered loss, subject to policy conditions. In addition, it includes coverage extensions for debris removal; equipment leased, rented or loaned to others; and construction trailers.

 

Contact one of our independent insurance agents today to customize the coverage you need to protect your business.

 

Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

As a contractor, it has taken you years of experience to learn how to carefully plan and build each project. But, one small mistake can ruin a project in seconds. This is why you need an insurance policy that will protect one of your greatest assets—your business.

Basic Coverage

Personalized Coverage

United Fire Group’s small contractor program is specifically designed for contractors who want broad liability coverage, at a competitive price. It also offers important optional coverages to meet the unique needs of your profession. Click on the Personalized Coverage tab to learn about some of these options.

To protect your business further, you can choose from a variety of liability, property and inland marine coverage options to cover your unique business needs. Some of our most popular options are:

• Care Custody and Control Property Damage: Damage to property in your possession, for which you are legally liable, is paid for and covered.
• Contractors Property Plus: This add-on coverage provides increased coverage for fire department service charge, pollution cleanup, newly acquired property, valuable papers, signs, outdoor property, accounts receivable, fire extinguisher recharge, data processing, and lock replacement.
• Equipment Breakdown: You can enhance your policy to cover the cost to repair or replace mechanical, electrical or pressure systems that suffer a breakdown. Some of the types of equipment covered are air conditioning systems, boilers, computers, electrical systems and refrigeration units.
  Some costs your business may accrue due to a piece of equipment breaking down are also covered. These costs include coverage for business income, data restoration, service interruption, demolition and increased costs of construction, refrigerant contamination and perishable goods.
• Hired and Non-Owned Auto: This coverage is available if your business does not have any owned autos, but borrows or hires an auto.
• Voluntary Property Damage: At your request, we will pay for your covered claims, whether or not you, as the insured, are legally liable.

 

Contact one of our independent insurance agents today to customize the coverage you need to protect your business.

 

Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

Having an employee injured while on the job can be devastating not only for the employee, but also for their family. Your employees depend on you to protect them if the unimaginable were to happen while at work, just like you depend on them for their hard work and reliability while working for your business.

United Fire Group’s workers compensation insurance coverage works to protect your employees providing wage replacement and medical benefits to your employees injured in the course of employment.

No one wants the unimaginable to happen, which is why we work with our policyholders to provide their employees with safety training and the loss control efforts needed to maintain a safe work environment, which, in turn, can help lower your claim costs.

 

Contact one of our independent insurance agents today to customize the coverage you need to protect your business.

 

Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.

Lewis Insurance

2525 S. Lamar Ste 11

Austin, TX

78704

www.nationwide.com/joshlewis

www.austinhealthbrokers.com