Understanding NC Business Insurance

The success of any business depends on hard work and ingenuity. Business insurance ensures that all the effort and money you have invested in your business is covered in case a disaster strikes. In general, businesses need to purchase at least the following four types of insurance:

• Property insurance compensates you if the property you use in your business is lost or damaged by common perils such as fire or theft. Property insurance covers not just a building or structure but also what insurers call business personal property.
• Liability insurance protects you in the event that someone claims that your business caused him or her harm. Your liability insurance pays damages to third parties resulting from bodily injury or property damage for which your business is legally liable, up to the policy limits, as well as legal fees. It also covers the medical bills of any people injured by your business.
• Business vehicle insurance provides coverage for autos owned by a business. The insurance pays any costs to third parties resulting from bodily injury or property damage for which your business is legally liable, up to the policy limits. Depending on what kind of coverage you buy, the insurance may pay to repair or replace your vehicle because of damage resulting from accidents, theft, flooding and other events.
• Workers compensation insurance or workers comp, as this coverage is generally called, pays for medical care and replaces a portion of lost wages for an employee who is injured in the course of employment, regardless of who was at fault for the injury.

Other Types of Policies You May Need

In addition to the basic coverages highlighted above, there are various other policies needed by some businesses, including the following:

• Business catastrophe liability or umbrella policies provide coverage over and above your other liability coverages. It is designed to protect against unusually high losses. For the typical business, the umbrella policy would provide protection over and above general liability and auto liability policies.
• Specialized liability insurance policies are designed to meet specific needs of individual businesses specialized for liability policies needed by some businesses. They include Errors and Omissions Insurance (E&O)/Professional Liability Insurance, Employment Practices Liability Insurance (EPLI) and Directors and Officers Liability Insurance (D&O).
• Terrorism insurance is offered to owners of commercial property as mandated by the Terrorism Risk Insurance Act, enacted by Congress in 2002. Insurance losses attributed to terrorist acts under these commercial policies are insured by private insurers and reinsured by the federal government.

To learn about the details on the specifics of your business policy or to inquire about what type of coverage is right for you, contact us.

Landscape Contractors Insurance

Landscaping is no easy task. It takes a crew of dedicated, hard-working specialists to turn green into gorgeous. A faulty tool, a lapse of concentration, or even an uncooperative tree can turn the task at hand into a liability nightmare.

At Marshall Insurance Services, we can tailor a landscaper’s insurance policy to protect you and your crew from:

• General liability issues
• Commercial liability issues
• Vehicle and equipment malfunction or damage

Contact us today to learn how our landscapers insurance can give you the protection you need, at a price you can afford.

Landscapers Insurance Coverage

Landscapers are exposed to various types of risk every day they're in business. Landscaping accidents can cause injuries or property damage that could lead to lawsuits and financial loss. Adequate landscaping insurance can protect your business from these types of situations.

Landscaping insurance, now offered through Marshall Insurance' carriers could include a Business Owners Policy (BOP) with General Liability insurance, Workers' Compensation insurance and commercial vehicle insurance.

General Liability Insurance

General liability insurance, or GL, is a fundamental part of landscaping insurance. It could provide protection against lawsuits and other financial liabilities that result from things like accidents or other mishaps.  GL is often bundled with a variety of other coverages in a Business Owners Policy, or BOP.

Workers' Compensation Insurance

Workers' Compensation insurance through Marshall Insurance could help cover the medical costs and a portion of lost wages for an employee who becomes ill or injured during work. Discover if you're eligible to include Workers' Compensation coverage to your landscaping insurance package.

Landscaping Insurance for Vehicles

Landscaping vehicle insurance provides continuous coverage throughout the year, saving you money on premium and allowing you to avoid costly breaks in coverage.

We provide all types of contractor vehicle insurance including:

• Pickup Truck Insurance
• Truck Insurance
• Business Auto Insurance
• Van Insurance
• Dump Truck Insurance
• Trailer Insurance

In addition to outstanding commercial vehicle claims services, our companies  also provide flexible payment options and fast online bill payment capabilities.

See What You Could Save!!

Get a commercial vehicle quote online or call us at 704-684-0082 and learn more about landscaping insurance with a BOP, Workers' Compensation, and commercial auto insurance today.

Who Needs Landscaping Insurance?

A wide variety of businesses could benefit from landscaping insurance. Examples include:

• Landscapers
• Tree trimmers
• Arborists

• Landscape architects
• Landscape designers
• Lawn irrigation contractors

Insurance for Convenience Stores

Convenience stores in NC benefit from many of the specialized insurance services developed by Marshall Insurance' carriers for the retail grocery industry, including our knowledge of how to make your store safer.

Our customized programs feature coverage for: canopies, gas pumps and other outdoor property, high-crime periods, and liquor liability.

Coverage Highlights Basis of coverage Occurrence Coverage available Available coverage includes:

• Auto liability and physical damage
• Workers’ comp
• Umbrella
• Building and business personal property
• Gasoline pumps and canopy
• Business income actual loss sustained Coverage notes Key differentiators:
• Responsible claims handling — over 61% of liability claims closed at no payment
• Tailored accident prevention and safety programs
• Extensive industry experience

Specialized property coverage extension form Optional coverage available Includes:

•Liquor liability
•Market advantage enhanced coverage (includes 27 enhanced coverages, such as business income-civil authority — no waiting period, BI extended period of indemnity — 90 days)
•Building ordinance and law
•Money and securities
•Employee dishonesty
•Signs
•Computer coverage
•Food spoilage
•Utility services
•Identity recovery

Coverage extensions to qualified insured
• Businessowners’ policy (BOP)
• Package policy

Contact Us Today!

Phone: 704-684-0082

E-mail:  gary@marshallins.net

Website:  http://www.marshallins.net

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Garages & Auto Repair Shops

People come to auto service centers to have their vehicles repaired, not damaged. Unfortunately, accidents don’t just happen on the open road. Sometimes they happen in parking lots and repair bays.

At Marshall Insurance, we are proud to offer an exclusive auto service center insurance policy that can be tailored to meet the specific needs and risks of your shop. 

Our Garage/Auto Policy provides coverage for the legal liability of automobile dealers, garages, repair shops and service stations.

Coverage includes bodily injury and property damage arising out of garage related operations. It can also provide coverage for damage to customers’ autos and property, as well as damage to garage-owned autos. This coverage can be written in conjunction with business property coverages in order to provide a complete protection package for your business.

Contact us today to get a quote or to learn more about our comprehensive and affordable auto service station policy!