Other Industries Insurance

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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.

Insurance “Need to Know’s”

Businesses are unique, and there is a spectrum of coverages that yours may need. These are common coverages that may apply to your business.

General Liability


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.

Professional Liability


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.

Worker’s Compensation


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 Umbrella


Commercial Umbrella Insurance provides increased limits of liability coverage in excess of those provided by an underlying Commercial General Liability Insurance policy.

Commercial Auto


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.

Employment Practices Liability


This coverage affords protection from claims of wrongful termination, sexual harassment, discrimination, and other alleged violations of employee’s rights.

Professional Liability


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.

Commercial Property

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.

Garage and Garage Keeper’s Liability

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.