August 23, 2017




Commercial Insurance
                         

                              “We are creating a firm that blends the incredibly intimate service of the small private agencies 
                            with the sophisticated talent expected from the Mega Brokers.” - John A. Turley, III

From Main Street to Wall Street, a few employees or thousands, TIA has the insurance and risk management expertise you need, so you can focus on running your business.

No matter what you do or the size of your operation, it involves risk - and responsibility.

Managing risk exposures is the key to unlocking the power of an organization's potential and capitalizing on its opportunities. TIA can help identify and quantify risks and bring them under control. We create and implement customized solutions employing the most effective blend of insurance, risk mitigation, risk transfer, and advanced risk financing. These solutions can go beyond traditional property/casualty insurance programs to encompass strategies which can help increase a  firm's revenue growth, enhance its net income, and strengthen its balance sheet.

Our Consultative Client Approach Means It's All About You
As business opportunities grow in size and complexity, relationships built on trust and respect are more important than ever. Close-working relationships define Turley Insurance Agency culture and service philosophy.
Our success as an insurance brokerage is based on our ability to help clients consistently meet their insurance and business objectives on a timely and cost-effective basis.

Our consultative, multidisciplinary approach allows us to identify problems facing your company, evaluate the associated risk, and develop insurance solutions that meet your specific business needs. In addition to our extensive commercial lines knowledge from property and casualty to workers compensation, we have pursued a client-focused strategy to ensure that we have and continue to develop "experts" in specific fields who can provide greater value because of their depth of knowledge. Our insurance professionals include experts in many specialized markets and industries, such as Executive Risk, Environmental, Real Estate and Construction. No matter what the size of your organization, we have the resources to help you.

 

Property Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

  • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.

Commercial General Liability Insurance

Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

  • Premises and Operation
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

Business Auto Insurance

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

Workers' Compensation

Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers' Compensation provides for the payment of four types of benefits:

  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits

A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

Contact us today for more information about Commercial Insurance or fill out our online quote form.

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