There are numerous types of businesses out there, and for those businesses there are insurance policies specific to their needs. Call us today to discuss your business and what type of coverage would be best for you.
Businesses are unique, and there is a spectrum of coverages that yours may need. These are common coverages that may apply to your business.
Commercial General Liability Insurance is coverage for claims of liability you may incur to others. This can include bodily injury or property damage, personal and advertising injury, and the costs of legal defense of such claims. There are extensions and optional coverages available to add on to the Commercial General Liability Policy to tailor it to a specific business’s needs.
Also known as Errors and Omissions (E & O), Professional Liability coverage typically protects against liability claims for losses other than bodily injury or property damage. These are usually monetary claims for damages resulting from the improper rendering or failure to render professional services. While common to doctors, lawyers, architects and engineers, any person or entity offering professional services is at risk of loss from such claims, which in most cases are not covered by a Commercial General Liability Insurance Policy.
Should an employee be injured on a job, while in the course of employment, Worker’s Compensation Insurance helps cover the costs of medical procedures, lost wages, death benefits, and other expenses. It also protects employers, as it is usually an injured employee’s “sole remedy” for losses from an on the job injury.
Commercial Property Coverage protects both real and personal property from any covered losses. This can include property of others not owned by the business, but in the care of the business. In general, this coverage is for losses that occur on the insured’s premises. There are extensions and optional coverages that can be added to Commercial Property Coverage for individual needs. It is important to let us know about your business personal property and your operations so that we can recommend the best coverage for your business.
Commercial Umbrella Insurance provides increased limits of liability coverage in excess of those provided by an underlying Commercial General Liability Insurance policy.
Just like the insurance you have on your personal vehicle, it is important to protect any commercial vehicles your business may have. Whether you have one car or a fleet of trucks, Commercial Auto Insurance protects your business in the event you or your employees cause bodily injury or property damage to someone while operating your business’s vehicle. It also can help cover the costs of repair or replacement in the event of an accident.
This coverage affords protection from claims of wrongful termination, sexual harassment, discrimination, and other alleged violations of employee’s rights.
A type of management liability Insurance, these policies afford coverage for monetary claims arising from allegations of mismanagement on the part of a business’s officers or directors.
A bond is a three way contract in which the insurance company which guarantees the performance or honesty of the person or entity bonded to a third party. These may be required by the third party to guarantee the completion of a construction project or the protection of its assets under the control of another party.
If you sell or trade vehicles or store customer’s vehicles on your property, damages resulting from these operations may not be covered by Commercial General Liability, Commercial Auto, or Commercial Property Insurance. Garage Liability and Garage Keepers liability coverage are generally recommended to dealerships, repair shops, service stations, etc. where vehicles for sale or customer vehicles are stored.
At Access First Insurance, we understand the unique needs of protecting your businesses. We can discuss the details of your business to tailor an insurance policy specific to you.
Call us today for your free, no obligation quote and see how much money we can save you. Please contact us right away.
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Liliya Martsinyuk is a Commercial Insurance Specialist at Access First Insurance. Are you wondering where the unusual name is from? It’s from the Ukraine. To make it simple you can just call her Lily. She is passionate, driven, honest and hard working. Lily grew up with eight siblings and started work at a very young age. She paid off a 2013 Mini Cooper S by age 18 and became a licensed producer at age 19.She must be doing something right! Away from her desk she loves to spend time with her family, loves the outdoors, and loves to spread God’s love. Lily especially loves to make you SMILE and help you with your insurance needs. Contact Lily at 208-854-3621. Do you prefer email? You’re in luck, Lily loves emails! [email protected]
Cameo Pulver epitomizes integrity, energy, hard work, and creative service in every detail of her insurance transactions. Cameo grew up in the Joshua Tree California area and started her sales habit at the age of ten, selling candy to her grade school class mates. She has continued rising early and has since built a successful career in Insurance for over 15 years in the Treasure Valley area. She has worked every aspect of the industry representing commercial, property and casualty lines to include health and life insurance.
Cameo is a family woman with a devotion to God, her wonderful husband, and her daughter. An athlete by nature, in the winter she is a lover of cross country skiing, taking her challenges from skiing Brundage Mountain to the back country of McCall’s great outdoors. In the winter after a fresh rain you will probably find her on the green belt trying to pack the snow with that nice mountain bike of hers.
Cameo has been trained and inspired in sales by some of the best in the industry. She travels the Treasure Valley to build strong relationships with bankers, lenders, property managers so she can offer the greater Treasure Valley the best Insurance. Cameo uses her experience and foresight to proactively address details before they become a problem. She leads, trains and motivates her team to communicate with you better than none. Five words you can count on from Cameo Pulver love, integrity, commitment, passion and fun!
Jordan embodies honesty, energy, hard work and compassion. She moved to Idaho 13 years ago from Southern California and grew up in Idaho Falls. This is where she built her career based on customer service and sales. She moved to Boise in 2017 and became a part of Access First Insurance.
Jordan is devoted to her Christian Faith and her family. She has been fortunate enough to be blessed with an incredibly loving husband and 2 beautiful children. Jordan loves to surround herself with family and friends, trying new things, continually challenging herself and helping others.
At Access First Insurance, Jordan is committed to putting her client’s needs first and making sure their experience is positive and professional from start to finish. Her goal is to build strong relationships, ensuring efficient and complete services and ensuring our clients receive the utmost care and accurate knowledge regarding insurance.