Business Insurance

Business Insurance

At Cullen & Associates, our approach to business insurance is to review and analyze your specific needs, then find the business insurance coverage and the company that most competitively meets those needs. As an independent insurance agency we partner with many of the most highly rated and reputable companies in the business. Your business is ever changing and so should your insurance.

We pride ourselves on the service that we provide. Our commitment to you is to sit down with you on a regular basis to make sure that you have the coverage that you need. We also work just as hard to continuously evaluate that coverage once it is in place so you are not paying for coverage that you do not need. No matter what your business, our business is finding the company and coverage that is right for you.

 

General Liability

General Liability coverage protects an insured party against injury, damage, or negligence claims made by other parties.  General liability can step in to protect your business in legal proceedings from injuiries sustained in on-site accidents and damages resulting from the use of products and services on or off of your premises.  In addition to damages, policies can be designed to pay for court costs and attourney fees associated with the defense of a claim or liability suit.  You may want to consider a Business Owners Package which combines your Liability, Property, and other business coverage into one comprehensive, easy to manage policy.  We live in a world with large liability exposures.  Commercial Umbrella Coverage can also be purchased in addition to your General Liability to ensure that your business is adequately protected.  To learn more about General Liability coverage contact one of our knowledgable agents today.

 

Commerical Auto Insurance

At Cullen & Associates we understand the value of your commercial vehicles and the employees who operate them.  The ability to travel is important in your day to day operations.  The agents in our office can put together a commercial auto policy that meet your needs and will stand beside you to resolve a claim in the event of an accident.  We can insure your vehicles as well as your business personal property and that of others (bailee coverage) while on the road.  We will work with you one on one to provide compreshensive business auto coverage which can include:

  • Bodily Injury Liability
  • Medical Payments
  • Personal Injury Protection
  • Comprehensive and Collision Coverage
  • Gap Coverage
  • Uninsured and Underinsured Motorist Coverage

 

Commerical Property Insurance

You, your employees, and your customers rely on keeping your business running.  Accidents do happen, and when they do it is our mission to get you back to operating as quickly as possible.  At Cullen & Associates we can protect your building and your commercial property from losses big or small.  You will work with one of our insurance specialists to develop an insurance program to cover your buildings, your business personal property, outdoor signage, on-site equipment, as well as any inventory or materials that are pertanent to your operations.  Not all commercial insurance is the same.  Your agent can tailor a policy to meet your specific needs.  Endorsements to your policy may include things such as equipment breakdown, builders risk coverage, electronic data processing coverage, etc.  Call one of our agents today to see how much you can save by combining your commercial policies.

 

Workers Compensation

Your employees are valuable to your business and crucial to its success.  Cullen & Associates can help protect your employees from work related injury or illness with Workers Compensation.  You and your employees can rest assured that they will have the correct coverage and adequate benefits backed by some of the best business insurers out there.  Workplace injuries do occur and can create financial hardship for the employee, their family, and the business.  Workers Compensation from Cullen & Associates can provide the piece on mind of knowing that you are protected.  Work Comp can provide for an injured employee's medical expenses and treatment.  It can also replace lost wages from time off because of an on the job injury or illness.  Contact a knowledgeable agent at our office today to discuss the right Workers Compensation options for you.

 

Inland Marine Insurance

Inland Marine Coverage protects your products, equipment, and tools while away from your premises.  With Inland Marine coverage from Cullen & Associates you can feel confident that your assets will be protected while on the road.  Coverage can include Equipment, Transported Property, Computer and Data Equipment, Tools, Artwork, Buildings Under Construction, and much more.  If you do work outside of your business premises, having the proper inland marine coverage to protect your business property and materials is crucial.  Contact one of our offices today to speak with a business insurance expert who can customize an Inland Marine Policy for you.

 

Business Owners Insurance

Insurance shouldn't have to be a hassle.  As a business owner you already have a lot on your plate.  Our mission at Cullen & Associates is to provide our clients with the right coverage conveniently.  A Business Owners Policy can combine the various policies that your business requires into one easy to manage package.  Packaging policies into a Business Owners Policy (BOP), allows for more benefits than a stand alone business policy.  You will also find that you can achieve greater premium savings.  Generally, Business Owners Policies only apply to certain business classifications with specific needs.  Contact one of our business insurance experts to see if combining your Commercial Property, General Liability, Inland Marine, and Business Auto coverage is right for your business.

 

Other Services:

  • Bonds
  • Special Events Coverage
  • Notary Services
  • Loss Prevention Services