Business Insurance

Your business assets are too valuable to have anything less than exceptional coverage. Morris Insurance Agency's commercial insurance specialists know how to analyze your needs and design a protection program that addresses all of your exposures.

We have strong relationships with top rated property, casualty, and surety companies that can provide superior coverage and prices on these and other business insurance coverages:

  • Commercial Property
  • Commercial General Liability
  • Business Auto
  • Workers Compensation and Employers Liability
  • Directors and Officers Liability (D&O)
  • Errors and Omissions (E&O) and Professional Liability
  • Employment Practices Liability (EPLI)

Commercial Property – Commercial Property insurance covers losses to tangible property, such as buildings, furniture, fixtures, inventory, contents and equipment. It can also cover consequential losses, such as the loss of business income, rents and extra expenses. Damage can result from a variety of perils including fire, vandalism, theft, windstorm, and others. Natural disasters, such as hurricane and flood, can be purchased separately.

Commercial General Liability (CGL) – CGL insurance is designed to protect business owners and operators from third parties resulting from a wide variety of liability exposures resulting in bodily injury or property damage. Exposures could include liability arising from accidents resulting from the insured’s premises or operations, products sold by the insured, operations and projects completed by the insured, contractual liability, and personal and advertising injury liability.

Business Auto – Business Auto liability insurance provides coverage if an insured is legally liable for bodily injury or property damage to third parties caused by the ownership, operation, or use of your vehicles. The Business Auto policy may also include Collision coverage to protect damage to your vehicles resulting from a collision or contact with another object, or Comprehensive coverage to protect you from damage or loss of your vehicle from something other than a collision, such as fire, flood, hail, theft, or cracked windshield.

Workers Compensation and Employers Liability – This is an insurance policy that provides coverage for an employer’s two key exposures arising out of injuries sustained by employees. In most circumstances, it is required by law. Part One of the policy covers the employer’s statutory liabilities under workers compensation laws, and Part Two of the policy covers liability arising out of employees’ work-related injuries that do not fall under the workers compensation statute. In most states, the standard workers compensation and employers liability policy published by the National Council on Compensation Insurance (NCCI) is the required policy form.

Other Business Insurance Coverages include, but are not limited to:

  • Builders Risk
  • Crime (Employees Dishonesty and Theft)
  • Commercial Umbrella/Excess Liability
  • Machinery
  • Bonds (Contract and License)
  • Internet, Cyber, Privacy Liability
  • Flood
  • Employee Benefits Liability
  • Environmental and Pollution Liability

Specialists

At the Morris Insurance Agency our team is educated on all aspects of property and casualty insurance, but we feel its better to have different specialties. By having different members focus on different lines it helps them become experts.

Commercial Umbrella

Seems like everybody is getting sued for something these days. An employee was diving his personal vehicle to a business meeting and had a wreck. You could get sued. The number of lawsuits filed against companies and the size of the settlements are on the rise.

Chances are the amount of liability protection from your general liability insurance, commercial auto insurance and employer's liability policy may not provide enough financial protection. This can leave your business open to risk and make your assets vulnerable.

A Commercial Umbrella Policy from the Morris Insurance Agency can increase your liability protection when a lawsuit maxes out the limits of your current coverage.



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