Insurance for BUSINESS!  Businesses large and small!  As an independent insurance agency, Poland & Sullivan works with more than five of the nation's leading insurance companies in obtaining the necessary coverages for your business operation.  Listed below are the more common types of coverages offered.   The description is for informational purposes only and does not include all of the conditions, limitations, and exclusions you will find in the actual policy.

COMMERCIAL GENERAL LIABILITY - Coverage for negligent acts by you or your employees that result in property damage or bodily injury to others.  This includes, but is not limited to, the following types of liability: PREMISES, PRODUCT, OPERATIONS, PERSONAL INJURY, CONTRACTUAL, ADVERTISING INJURY, and MEDICAL PAYMENTS.  Premiums are normally based on gross sales and/or total payroll.

PROFESSIONAL LIABILITY - Also know as "Malpractice" or "Errors or Omissions" insurance, this coverage is for businesses who represent themselves as "experts" and whose customers rely on them for their expertise.  This may include, but is not limited to: COMPUTER PROGRAMMERS, SOFTWARE DESIGNERS, ACCOUNTANTS, OPTICIANS, DENTISTS, VETERINARIANS , LAWYERS, PHYSICIANS, ARCHITECTS, and ENGINEERS.

COMMERCIAL PROPERTY - This policy provides protection for the following types of business property: BUILDING, STOCK, INVENTORY, EQUIPMENT, PROPERTY OF OTHERS in your care, custody, or control,  IMPROVEMENTS, and BETTERMENTS.  This coverage is also used to insure: LOSS OF INCOME, GLASS, THEFT OF MONEY, COMPUTER EQUIPMENT AND DATA, and other areas.

INLAND MARINE - This policy provides coverage for your tools and equipment or any property that travels with you or your employees.

BUSINESS AUTOMOBILE - This policy is designed for automobiles owned by and used by your business.  These coverages include: BODILY INJURY AND PROPERTY DAMAGE TO OTHERS, UNINSURED OR UNDERINSURED MOTORIST, PERSONAL INJURY PROTECTION, COLLISION, COMPREHENSIVE, NON-OWNED AUTO LIABILITY, and RENTAL CARS OR TRUCKS.  No coverage is provided for property or any cargo in transit.  Premium is based on the type of vehicle, usage, value, limits of coverage, and driving records of all regular operators.

WORKER'S COMPENSATION - This policy provides two very important coverages.  First, it protects employees if they get hurt on the job.  The policy pays for MEDICAL EXPENSES and LOST WAGES while the employee is injured.  Second, and more importantly, the policy provides protection for you against negligence lawsuits by employees or their spouses or heirs.  This coverage is statutory and varies by state.  Premiums are determined by the type of work performed and annual payroll.

WORLDWIDE COVERAGES - With today's worldwide economy and e-commerce business, more businesses are selling their services and/or products overseas.  Did you know that your COMMERCIAL General Liability and Property Coverage policies exclude claims outside the United States, its territories or possessions, and Canada?  If your business is operating in areas outside of the policy territory, WORLDWIDE COVERAGE for General Liability and/or Property is necessary.  Poland & Sullivan can provide coverage for your business anywhere in the world.

POLAND & SULLIVAN PLEDGE - When you make your insurance purchase and you become a customer of Poland & Sullivan Insurance, our relationship is just beginning.  You will see more of us after your purchase than you did before your purchase.  We will meet with you annually to renew your policies.  We will make sure the coverage and premium you pay are the most competitive in the market.  We will return phone calls the same day when possible or within 24 hours.  We want you to know that your premium payment gets you more than a policy.  It gets you access to the support, services, and expertise that Poland & Sullivan can offer.  We will make your insurance purchase a pleasant experience.  We invite you to explore your insurance questions with us.