Types of Insurance
Offering you any type of insurance you might want.
Prepare Yourself For The Unknown
InSource Insurance Group works with insurance companies across the country to help you manage your insurance needs. Our insurance offerings cover almost every angle of your business from commercial auto to pollution to general liability and more. With over 80 years of experience, InSource has seen and worked through almost every type of insurance situation you could imagine, and our team has extensive knowledge on the best use cases for these different types of insurance.
Commercial Insurance Policies help cover your business when accidents happen.
General Liability
Operating a business in today’s litigious society comes with a lot of risks. Every business should have a general liability policy in place to help protect them from claims arising from:
- The insured’s premises
- Products sold/distributed/manufactured by the insured
- Ongoing and completed operations of the insured
- Contractual liability
- Personal and Advertising Injury
- Damage to Premises Rented to You
Commercial Property
Your building, the furniture inside, and all the assets your company owns are an investment you consciously made and should protect at all costs. The experienced staff at InSource can provide you with comprehensive coverage options for your commercial property assets so you are fully protected.
Outside Threat Coverage
Danger lurks around every corner. Let the experts at InSource remove some of your stress by finding you solutions for some of the common threats to your business.
Commercial Auto
Your business could be held liable for any damage caused while your commercial vehicles are in use. Protecting yourself from these potential auto risks is vital to your continued success. Commercial auto insurance is necessary if you have one or 100 or more vehicles in your fleet.
20%
of all insurance claims are based around theft
Umbrella and Excess
The team at InSource specializes in working with companies of all sizes and has a suite of coverages specialized to meet your needs. InSource can provide you with options or an Umbrella or Excess policy, or policies, to give your business an extra $1M-50M (or more) in extra liability protection above and beyond coverage that you have in your employer’s liability, general liability, and/or commercial auto policies.
Employment Practices Liability
Regardless of your business environment, there’s always the potential threat of litigation, regardless of how careful you are as a business owner. Protecting yourself from potential liability claims down the road is an effective type of business insurance. EPLI is designed to cover:
- Discrimination based on age, sex, race, or disability
- Sexual harassment
- Retaliation
- Wrongful termination
- FMLA violations
- Wrongful failure to promote
- Wrongful discipline
Differing Types of Insurance Coverage
It’s important to insure your assets and employees for the sake of future success.
Cyber
Data breaches and online threats are on the news all the time and can have a devastating effect on businesses. Cyber insurance covers:
- Legal Fees
- Computer Forensic Costs
- Governmental/Industrial Fines and Penalties
- Compliance Audits
- Required Customer Notification
- Third-Party Damage
- Revenue Loss
- Data Restoration
31%
of small businesses have cyber insurance
Pollution
Various industries can face different environmental issues during their ongoing operations. There can be potentially hazardous outcomes for certain jobs such as oil spills, water pollution, and more. InSource wants to give you options to help ensure that you are properly protected from these environmental exposures.
$2 billion
in annual environmental premiums
Other important coverages to keep in mind for your business may include:
Inland Marine
Inland marine insurance is intended to cover your mobile equipment and stock. An inland marine policy can cover your equipment regardless of where it’s located. The types of equipment that can be covered under inland marine policies can include:
- Computers
- Construction/dirt work equipment
- Hot oilers
- Rigs
- Employee tools
- Reverse units
- Frac tanks
- Cementing and acidizing equipment
Rental equipment
Auto physical damage
Motor Truck Cargo Coverage
InSource works with a wide variety of providers to find the best coverage options for your business. We work alongside you to prepare you for potential disaster down the road, covering occurrences, such as:
- Load Dumping
- Theft
- Fire
- Accidents
- Undelivered loads
Professional
Your business could face a lawsuit at any time for any reason, no matter how small. These lawsuits cost a lot of money and this can stack up over time depending on the length of the lawsuit. With professional liability insurance in place, you can be protected from damages incurred.
Insurance Experts
Protect your business with the right insurance through InSource Insurance Group.
