Business Insurance

As a business owner you have made a considerable financial commitment, as well as an investment of your time and expertise. Let RSI Insurance Agency present options that allow you to manage the exposures associated with your business. From the single member LLC to operations with large staff and multiple locations, let us help you design a program that gives you peace of mind so you can focus on your business. 

In light of ongoing concerns related to the Coronavirus, insurance staff will be limited. As such, we encourage our customers to please refer to their insurance policies for their company’s contact information for billing inquiries, payments and claims. In case of an emergency, all of our insurance companies have 24 hour hotlines or internet service to report the incident immediately.  PLEASE NOTE YOU MAY NOT BIND, ALTER, OR AMEND COVERAGE VIA VOICEMAIL OR EMAIL.

Get a quote Request a copy of your existing policy

 

General Liability

General Liability Insurance

Coverage for Bodily Injury, Property Damage, Products and Completed Operations, Damage to Rented Premises, and Medical Payments are typically included under this coverage.

Artisan Contractor Insurance

General liability coverage for specialized contractors, such as HVAC service/installation, electrical, cabinetry installation or finish carpentry, and plumbing

Professional Liability/Errors & Omissions

This type of coverage protects you against claims arising out of your professional services rendered. It applies to Attorneys, Accountants, Consultants, Beauticians/Barbers, Therapists, and Photographers, just to name a few.

Commercial Umbrella/Excess Liability

Umbrella policies are one of the most cost-effective ways to increase your liability coverage. Policy limits range from $1 million to $15 million.

 

Property Insurance

Business Owner's Insurance

This insurance package provides coverages for large and small businesses, including property and liability.

Commercial Property Insurance

Coverage provided for damage or loss of property owned by the business due to losses resulting from such things as fire, lightning, smoke, wind, hail, vandalism and theft, just to name a few. Business Income, Extra Expense, Equipment Breakdown, Sewer/Drain Backup, and Glass are all coverages that can be included with your Commercial Property coverage.

Commercial Flood

Flood is the #1 Natural Disaster in the United States according to FEMA.org, and it is not simply a “coastal exposure”. Flood coverage is not usually a part of commercial property insurance policies.

 

Auto Insurance

Commercial Auto Insurance

Liability and Physical Damage coverage for your commercially-owned vehicles operated by you or your employees. Hired & Non-owned Auto Liability, Rental Reimbursement and Towing are some additional coverages that are also available.

 

Life Insurance

Key Employee Coverage

Business life insurance, also known as “Key Employee” or “Key Person” coverage, provides loss of income to a business upon the death of a key employee or owner.

 

Other

Executive Liability

We offer Directors & Officers, Fiduciary, Crime/Employee Dishonesty, and Kidnap and Ransom coverage to help protect you against some unique exposures to which your business may be exposed.

Workers Compensation & Employer's Liability

Workers Compensation coverage protects you and your employees for medical expenses and income continuation for injuries sustained while on the job. Employer’s Liability provides protection for employers from such things as third-party countersuits, suits brought from an injured employee's spouse, and intentional acts by management.

Employment Practices Liability

Coverage designed to protect a business against accusations of harassment, discrimination, and wrongful termination. Third party coverage to protect against these same issues created by your vendors and/or customers.

Bonds

We can assist you with bonding lines like Probate Bonds, Bid/Performance, and License Bonds.

 

How to Report an Incident/File a Claim

Refer to your insurance policy. Information on how to file a claim is usually on the second or third page of the policy. You may also call us to report an incident during our normal business hours.

 

Premium Financing

Premium financing is offered for commercial accounts. Contact us for more information.

Personal Lines of Insurance