Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
Our team of experienced professionals have dedicated their career to focus on your industry. They will use their expertise while partnering with you to identify potential risks, protect your business, your team, and your assets with coverage that best fits you and your business.
Protects your business' physical assets from perils such as fire, theft, and natural disaster. Foster White will also help you develop business continuity, allowing you to resume operations quickly should a loss occur.
Commercial General Liability
This is the "first line" of coverage that a business typically purchases and covers many of the common risks that can happen to any type of business, such as bodily injury or property damage on the business premises or due to the business operations, personal and advertising injury, and medical payments.
As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments and coverage for uninsured motorists.
This is also known as Errors & Omissions and protects against financial losses of a negligence claim made by a client. The coverage fucuses on alleged failure to use the expected skill in your field and in turn caused harm or loss to an individual or business.
Pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.
Directors & Officers Liability
As a director or officer on any non-profit or for-profit board, your personal assets are at risk with each decision you make. Directors and Officers Liability covers your defense costs, settlements and judgments associated with potential liability claims, while also protecting your personal assets as a director or officer.
Protects businesses from Internet-based risks, and more generally from risks relating to information technology infrastructure, information privacy, and information governance liability. Coverage provided by cyber-insurance policies may include first-party coverage against losses such as data destruction, extortion, theft, hacking, and denial of service attacks.
Employment Practices Liability
Covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, breach of contract, and other alleged violations of employees’ legal rights.
Employee Benefits Liability
Employee Benefits Liability also known as Fiduciary Insurance, is a type of professional liability insurance that protects your business from costly suits that arise from administrative errors in handling employee benefits.
Protects your assets by providing liability limits above and beyond your other policies, and also potentially primary insurance for losses not covered by the other policies. When an insured is liable to someone, the insured's primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy up to the limit of the umbrella policy.
Employers can offer a variety of benefits to their employees. We work with employers to provide the best coverage options, that will align with your company’s needs. Whether your organization is small, large, or growing, our benefits team will support you with the knowledge and resources to reward, recruit, retain and retire your employees.
To help employers stay on track with their multiple benefits offerings, we also provide access to an online platform at no cost to you. Here, employees can log-in, elect or waive coverage, and more! This online platform is a one-stop place for both you and your employees to access benefits documents at any time. We provide the service and are here to help you make offering benefits to your employees easier. We can also help you use this online platform to distribute other items you would like employees to access, such as: onboarding items, direct deposit forms, employee handbooks, etc.
Additional insurance plans add value to your employees and can help fill gaps of coverage for their families, while adding peace of mind in some of life’s unknowns. We will help guide you through the many insurance options for any additional coverage your employees may need.
We offer a wide variety of Surety Bonds, including but not limited to: Payment and Performance Bonds, ERISA Bonds, License and Permit Bonds and Lost Title Bonds