No disconnected vendors. No unnecessary complexity.
Just integrated solutions designed to protect your people and your business.
Coverage Designed for Real-World Business Risks
Businesses encounter a wide spectrum of exposures from basic liability claims to complex, high-cost litigation. Our comprehensive insurance solutions are built to help protect your operations, minimize risk, and provide confidence in an unpredictable environment. Our offerings include:
Business Owner’s Policy (BOP)
A coverage solution that combines business property and liability insurance into a single plan.
Coverage Included Under BOP Insurance
BOP Insurance helps cover your business for claims resulting from:
Business Owner’s Policies offer customizable protection for small to medium sized businesses, with optional coverages available to meet specific business needs, including:
General Liability Insurance
Protect your business from bodily injury, property damage, legal costs, and reputational claims.
Coverage Included Under General Liability Insurance
A General Liability Insurance policy helps protect your business by covering certain costs associated with claims of bodily injury or property damage, including:
General liability insurance (“GLI”) can also help cover claims of:
Professional Liability Insurance
Insurance that covers professionals against negligence, malpractice, misrepresentation and other claims initiated by their clients.
Coverage Included Under Professional Liability Insurance
Professional liability insurance helps cover claims of:
Maintaining appropriate coverage is essential. Even when no wrongdoing has occurred, a client may still file a claim if they believe an error was made. Without insurance protection, your business may be responsible for the full cost of a claim, including legal defense expenses.
Consider getting a professional liability insurance policy if you:
Employer’s Liability Insurance
Employer’s liability insurance protects your business when an employee sues over a work injury or illness.
Coverage Included Under Employer’s Liability Insurance
Employer’s liability insurance can help bridge the gap between what workers’ comp insurance covers and what your business might be liable for in a lawsuit. Some of these include:
Understanding Employer’s Liability Insurance
Employer’s Liability Insurance is important for any business with employees. Workers’ compensation handles medical and wage-related costs, but it does not cover legal expenses or other costs associated with employee lawsuits.
Commercial Auto Insurance
Commercial auto insurance is liability and physical damage protection for vehicles used for business.
Coverage Included With Commercial Auto Insurance
A commercial auto insurance policy provides coverage for vehicles you own, lease, hire, or use in your business, as well as liability coverage for bodily injury and property damage caused to others by your use of the insured business vehicles. Commercial auto insurance typically covers:
Businesses That Should Have Commercial Auto Insurance
If you own, lease, hire or use vehicles for business, you should obtain coverage. Commercial Auto Insurance is mandatory in some states, and many businesses are required by federal law to have this coverage if the business moves goods or people across state lines.
Commercial Property Insurance
Commercial property insurance protects your company’s physical assets from fire, explosions, burst pipes, storms, theft and vandalism.
Coverage Included Under Commercial Property Insurance
Commercial property insurance covers your office space or building, belongings within the building/office, and business personal property. Covered items would include:
Commercial Property Insurance Coverage
Commercial property insurance plans pay for losses based on the replacement cost of the item or its actual cash value.
Replacement cost is the amount necessary to repair, replace or rebuild property on the same premises, with comparable materials and quality, without deducting any amount for depreciation.
Actual cash value is the cost to replace it with new property of similar style and quality, minus its depreciation.
Commercial Umbrella Insurance
Provides additional financial protection by covering liability claims up to the limits of the umbrella coverage, reducing out-of-pocket exposure.
Coverage Included Under a Commercial Umbrella Policy
With this type of commercial insurance coverage, you will not have to pay out of pocket for liability claims up to the limit of the umbrella policy if these claims exceed the limits of your business insurance policy. This can include:
Benefits of a Commercial Umbrella Policy
Payentry can help you secure a flexible Commercial Umbrella Insurance policy that extends the liability coverage of your existing insurance policies, even those held with other providers.
Please note that Commercial Umbrella Insurance does not cover all types of claims and does not increase the limits of certain policies, such as Commercial Property Insurance. For detailed information on coverage and exclusions, please contact us today to speak with one of our knowledgeable representatives.
Pay-As-You-Go Workers’ Comp
Provides predictable payments, improved cash flow, and simplified compliance with no upfront expenses or unexpected year-end balances.
Workers’ compensation coverage is required for most employers in all states except Texas. In approximately half of the states, this coverage is mandatory even for businesses with a single employee.
Workers’ comp insurance can protect your business and your employees by helping cover:
We offer pay-as-you-go workers’ compensation that helps manage cash flow, simplify premium payments, and stay compliant with no upfront costs or year-end surprises.
Property & Casualty/Workers’ Compensation Licensed in:
AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, LA, MA, MD, ME, MI, MO, NC, NH, NJ, NM, NY, OK, PA, RI, SC, TX, VA, WI, WV
