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Cheryl Davis
As an insurance professional and business owner I know the importance of protecting your business. Commercial insurance is very complex, has many intricate parts, and can be overwhelming if not knowledgeable. In order to successfully guard against unanticipated and unexpected situations it is essential to know how your coverage, limits, and endorsements protect you and your business. My agency focus is to educate, advise, and guide you on the dynamics of insurance. It is imperative to choose the proper coverage, limits, and endorsements specific to the silhouette of your business entity to appropriately safeguard the business you worked hard to establish. Best business practices be proactive not reactive. Business Owner Policy encompasses coverage for the owner, operations of the business, employees, building/property as well as lessors’ risk for condo unit owners or buildings. If you are the building owner or condo unit owner, it is vital to add the endorsement for replacement cost, otherwise you are insured for 80/20 coinsurance Other endorsements available are cyber/data breach, employee liability, loss of income, equipment breakdown, spoilage, lightning strikes to electrical, etc. and many more depending on the risk and exposures of your business. Endorsements are additional coverage available depending on the specified risk and exposures of a business. Vital to the policy to cover for a variety of losses. Workman Comp required by state if five employees or more. If less than you are financially responsible and consider self-insured. Workman comp is available for less than five if you choose not to self-insure. If you are looking for value, service, and sound advice, then I would like an opportunity to share my knowledge to assist you. Please contact me to schedule a consultation, confidentiality is essential and important in our office. My office is located off Memorial Blvd. between SONIC and O'REILLY"s AUTO PART STORE.
Protect your business with Farmers coverage for your building, equipment, inventory and operating income. Let’s have a conversation about it today.
Does your business have enough liability coverage for injuries to customers, auto accidents and lawsuits? Let’s talk about umbrella insurance.
Would you like help preventing injuries, training workers and creating a safer workplace? That’s exactly what Farmer loss control services can provide.
Concerned about injuries, OSHA regulations, and workers’ compensation fraud? Let’s discuss how Farmers can help you protect your employees and business.
You might face legal action from customer injuries, data breaches, product defects and more. Liability insurance can help you protect your business.
Real estate comes with risks like property damage, liability and loss of rents. Let’s discuss how Farmers coverage can help as you protect your investment.
Running an office comes with risks like injury to visitors, loss of data and theft. Learn how Farmers can help as you protect your business.
Restaurants are vulnerable to risks like fire, theft and injury to workers. Let’s discuss Farmers coverage options so you can decide what you want.
How would inventory loss, robbery or structural damage affect your store? Let’s talk about ways Farmers can help you protect your business.
For owners of small apartment buildings, large apartment complexes and everything in between.
For owners of shops that specialize in collision repair, oil changes, transmission repair and more.
For those who own office buildings, retail shopping centers, industrial parks, warehouses and self-storage facilities.
For independent contractors such as plumbers, electricians, landscapers and painters.
For governing bodies that manage the common areas and other aspects of a homeowners association.
For companies that manufacture products of virtually any type.
For the offices of independent professionals such as doctors, lawyers and consultants.
For owners of quick service, casual and fine dining restaurants.
For owners of food trucks.
For those who own shops such as salons, dry cleaners, boutiques and convenience stores.
For businesses that provide wholesale goods and services to retail industries.
Looking for home, life, and other insurance options?
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