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Proper protection brings peace of mind

Is your building insured for replacement cost or just market value? Is your business income protected for the actual loss sustained? Is your liability limit sufficient for your specific needs? There are drawbacks, and even repercussions, that can happen when you are under or over insured. The key to ensuring adequate coverage is maintaining proper communication with your insurance agent.

Insurance 101

Choosing the right insurance coverage does not have to feel like solving the national debt. We will break down the basics here. Then, let us fine tune the details to find you the right protection for your individual needs and budget.

General Liability

General Liability (GL) is a must in business! This protects where your company could be held liable for bodily injury or property damage.

Business Owners Policy

The Business Owners Policy (BOP) combines General Liability, Property and Business Income coverage into one convenient package. This often saves costs for small businesses.

Commercial Property

Properly insuring your building and/or your business personal property/contents protects the heart of your business against loss.

Commercial Auto

A Business Auto Policy (BAP) covers the auto liability exposures of your business. As well as physical damage, Hired/Non-Owned liability and physical damage, and other coverages that can be added by endorsement.

Business Income

Business Income/Interruption covers the loss of income from a slowdown or closure during repairs to premises damaged by a covered loss.

Workers Comp

Workers Compensation (WC) is the protection that you provide to employees in the event of a job-related injury or death that results from an accident or occupational disease.

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A Division of Clay & Land Insurance, Inc.

866 Ridgeway Loop Rd, Ste 102      Memphis, TN  38120      (800) 237-0472

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