Property & Casualty

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Your Business Represents a Huge Investment of Time, Resources and Energy

Don’t leave coverage to chance! Make sure that your investment-your livelihood-is fully and comfortably insured. The purpose of business property insurance is to get your business up and running again quickly after a fire, theft, or other misfortune. What that could mean is repairing your building or replacing inventory, equipment, or other business personal property. If you exercise the business interruption option, commercial property insurance can also replace lost income and pay suppliers while your business is being put back together after a covered loss and claim.

Take the guesswork out of insuring your business property.

Valeri Agency, Inc. represents several, top-rated commercial property insurance companies so we can review a number of options for your business with different coverage options, limits, deductibles, and credits. Contact one of our commercial property agents today and start protecting your business with confidence.

Commercial General Liability

Commercial General Liability Insurance is an essential business coverage that protects you and your business from claims and lawsuits against you that might occur in the course of operating your business. Identifying potential business liability risks is something .

Valeri Agency, Inc. has a lot of experience with, and we represent several commercial insurance companies, so we can provide you a range of options. Contacting a Business Insurance Professional at Valeri Agency, Inc. is a step in the right direction when it comes to determining your exposure to Commercial General Liability claims, as well as establishing appropriate limits.

Commercial Package Policy

A Commercial Package is a type of business package policy that bundles coverage together for several things including liability, property, boiler and machinery, other equipment, crime, and other optional coverage. The options available create flexibility that allow a package to be customized for most kinds of business.

Employment Practices Liability Insurance (EPLI)

This kind of insurance provides insurance against liability for employment practices. Protection, which will vary from policy to policy, covers a broad range of claims or lawsuits that might be brought by current or former employees or employment candidates. Just a few examples include sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination, and invasion of privacy. Recent growth in employment practice litigation makes review of employment practices and insurance protection a necessity for most businesses today.

Directors and Officers Liability Insurance

D & O Insurance, as it is commonly called, is essential to attracting and retaining top business management talent. Lawsuits against a business and its management for negligent or wrongful acts can be brought by any number of constituents like shareholders, customers, or regulatory bodies. D & O Insurance will fill in gaps in primary business liability insurance and will protect the personal assets of the directors and officers.

Cyber Liability Insurance

Cyber Liability Insurance covers a range of loss exposures including damages due to loss or theft of client data, introducing a virus into another businesses' network, and email transmitted libel. Your business may not be a 'technology business', but if you use technology to run your business - like email, networks, and the web, you have Cyber Liability exposures. Risks posed by cyber exposures change quickly, and traditional insurance policies are not designed to protect your business from this new threat to your financial welfare. Talk to us about ways we can identify and cover your business' cyber risks.

Liquor Liability Insurance

Any establishment serving alcoholic beverages is exposed to lawsuits charging that liquor was served to an intoxicated person who may later have been involved in an accident. Liquor Liability Insurance is intended to protect food service businesses like restaurants, hotels, and even bed and breakfasts, from liability damages in such cases.

Garagekeepers Liability

This is a comprehensive insurance product designed for businesses that sell, service, store or park road use vehicles. It includes liability insurance protection for damage to vehicles left in the care of the business. This protection extends to customer and non-customer vehicles. In addition, this type of insurance policy provides comprehensive liability for non-vehicle damages and injuries occurring on the business property.

Garagekeepers Legal Liability Insurance

General liability insurance policies, and even Garage Liability insurance policies are not intended to provide insurance protection for damage or loss to vehicles that have been left with your business (the legal wording: in your care, custody, or control). That's where Garagekeepers liability coverage comes in; it is meant to protect a business from negligence causing damage to a customer’s vehicle. Some businesses that commonly need Garagekeepers liability insurance include auto dealers and repair shops, parking lots, hotels, and restaurants with valet parking services, and towing services.

Crime Insurance

Businesses are exposed to many types of loss not always covered in other types of business insurance policies. Crime Insurance indemnifies your business from embezzlement or theft by employees, forgery, hacking (electronic theft), theft of cash or securities by someone other than an employee, or damage to your building or property caused by a burglary.

Special Events Insurance

Today, any group, club, business, association, or individual organizing an event is exposed to liability claims brought by spectators, participants, attendees, and contractors. Special Events Insurance is there to protect your business or organization from claims arising from events not covered in your general liability insurance policy. Special Event Insurance is often required by auditoriums, parks, and other venues where events are held. Coverage can be tailored to the duration, size, activities, and nature or your individual event.

Inland Marine Insurance

Inland Marine Insurance is a specialized type of insurance designed for mobile equipment as well as unique or special business property. Inland Marine generally provides replacement for the property should it be lost, damaged, or stolen. Not only is Inland Marine Insurance used by business owners to cover their mobile business equipment, but it is also used when insurance is required for business property like bridges or radio towers.

Let one of the Inland Marine Insurance agents at Valeri Agency, Inc. review your commercial insurance program, help you review your needs, and get you the right protection for your business property.

Environmental Liability Insurance

Many business are exposed to lawsuits from pollution and environmental impairment from a variety of sources. Your business can be held liable for damage or injury due to pollution from business operations, the cost of clean up, or from the business location(s). There are several types of insurance to protect against these kind of claims.

Contact the Valeri Agency today to find out which coverage is best for you!

From Our Clients

"

Over the past four decades, Kenosha Achievement Center, Inc. has developed a great partnership with Valeri Agency and their dedication to our well-being is amazing!  They really know their business and almost as important they take the time to know ours. We love that we talk to people that care about the welfare of our organization as much as much as we do."

-Christine Weyker, Kenosha Achievement Center

Because you care about your future. Insurance for your business.