Commercial & Business
What We DO
- General Liability
- Professional Liability
- Commercial Auto
- Workers Comp
- Directors & Officers (D&O) Liability
General liability insurance insures your business against lawsuits due to bodily injury, personal injury, property loss or advertising injury. If a complaint goes to court, your insurance benefits would pay for your legal fees and for damages awarded to the plaintiff. General liability insurance secures your business's financial assets when you are involved in litigation due to an accident or mishap.
Type of liability insurance that protects professionals such as accountants, lawyers, doctors, engineers and architects from malpractice claims brought by clients or third parties for neglect, error or omission. These are causes for legal action that would not be covered by a general liability policy.
Commercial Umbrella/Excess Insurance provides businesses with additional liability coverage to help protect them against the potentially ruinous costs of claims. Significant assets can be at risk when businesses are the target of lawsuits. If the cost of a claim exceeds the limits of a business’s underlying primary insurance policies, Commercial Umbrella/Excess Insurance extends liability coverage for an additional layer of insurance to further protect business assets.
Commercial automobile policies typically cover vans, trailers, trucks, and cars used in your business
The type of coverage you need will depend on several factors, including the type of vehicle(s) you own or operate, your industry, usage frequency and average travel distance.
Workers' compensation insurance provides coverage for on-the-job injuries that employees sustain. Various state laws require businesses that have employees to carry some type of workers' compensation insurance.
In order for Workers’ Comp coverage to apply, the injury must arise from, and be related to, the injured worker’s job duties. Workers’ Comp also covers related costs for death, disability or disease that occurs as a result of the workers’ comp accident.
Property Insurance is a first-party insurance that protects the insured against loss of property accumulated or loss of property to be earned. Property insurance coverage may include physical damage or loss, loss of income and extra expenses, inland marine, boiler and machinery, and crime coverage.
Insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions. In effect, the policies function as "management errors and omissions liability insurance," covering claims resulting from managerial decisions that have adverse financial consequences.
Delivering custom made insurance services
Inclan Insurance Services are representatives of over 100 well-respected insurance companies. The Inclan team uses their knowledge of these insurance products to create custom made insurance solutions for customers from the business world often combining a number of insurance products to ensure their customers have the complete protection they need. It’s Inclan’s ability to match the right insurance product to their customers needs to deliver the most effective solution that has allowed them to build a sterling reputation in the Commercial space.
Why you need business insurance?
Of all expenses you can save on, business insurance isn't one of them. Good luck and positive thinking will probably not protect your business from losses. Unfortunately, bad things happen to the most conscientious business owners. That's why you need insurance!
Your solution for specialized insurance products across all industries from top rated insurance companies.
Our guarantee to our customers
In an uncertain world, you need the certainty that comes with having the right team of insurance experts working with you to protect your business and stakeholders. We offer our clients the personalized attention along with a high level of expertise, client-centric support, and experience. We have the infrastructure and personnel that allows us to work with our customers to design complete insurance solutions that give our customers peace of mind. We’re equally comfortable working companies of all sizes.