BUSINESS INSURANCE

When you own a business, you have a lot to protect,
and the right small business insurance coverage
can be important to your continued success. Luckily,
there are a variety of coverages to choose from
when it comes to protecting your business.

- Safe Driver
- Multi-Car
- Age 55 or Over
- Passive Restraints
- Anti-Theft Devices
- Anti-Lock Brakes
- Multi-Policy


- Longevity
- Payment Plan
- Youthful Driver
- Auto Accident Prevention Course
- College Student
- Driver Training
- Reduced Usage


Our auto insurance policy protects you against financial loss if you have a car accident. General types of auto insurance coverage include property, liability, medical, uninsured and underinsured motorists, comprehensive and collision coverage.

Let Cornerstone Insurance Services, LLC help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Auto insurance.

Other Business Insurance Coverage

The category of artisan contractors, also known as casual contractors, includes many occupations that involve skilled work with tools at the customer’s premises. Carpenters, plumbers, electricians, roofers and tree surgeons are some of them. Also included are diverse other skilled service providers, such as interior decorators, piano tuners and exterminators.

Special insurance needs of this group include coverage for equipment and tools that are often moved around and for the value of work done for a customer until it is finished.

For many artisan contractors, the most cost effective and efficient way to obtain property and liability coverage is with a Businessowners Policy (BOP) especially tailored to their needs. Although marketed under a variety of names, these policies will typically have provisions similar to the BOP's.

PROPERTY INSURANCE

The BOP covers real estate and other property that your business owns that is located at the described business premises. If your business rents or leases its premises, the BOP provides coverage for tenants' improvements and betterments. These are fixtures, alterations, installations or additions that you have put into the space that cannot legally be removed from the landlord’s premises.

Your biggest personal property loss exposures, however, may involve valuable machinery and equipment that moves around from job to job and is not covered by the standard property insurance. Such movable property is insured by contracts that insurers call "floaters."

An installer’s floater covers all kinds of machinery and equipment during transit, installation and testing at a customer’s premises. Even building materials may be covered, but the more usual coverage is for equipment or machinery that only contractors install, such as heating or air conditioning. The policy can be written to cover a single job or on a reporting form, meaning that you provide the insurer with information about each new contract you undertake.

A tools and equipment floater covers the insured property wherever it is used and may include such items as hand tools, power drills, hoisting machines and power pumps.

LIABILITY INSURANCE

Given the possibility of a lawsuit should someone claim to have been harmed by your work, you will almost certainly need liability insurance.

If working as a subcontractor, your customer may require you to have Owners and Contractors Protective Liability (OCP) coverage. This protects either a property/businessowner or a general contractor from possible liability arising from the negligent acts of an independent contractor or subcontractor hired to perform work on behalf of the insured. The actual purchaser of the policy is the independent contractor or subcontractor, but the protection is for the benefit of the property/businessowner or general contractor for whom the work is being done.

BUSINESS VEHICLE INSURANCE

Your personal auto policy probably provides coverage for some business use of your truck, van or other vehicle. A personal auto policy is unlikely to provide coverage, however, if the vehicle in question is used primarily in business. It will not provide coverage for any vehicle owned by a business. For those vehicles you must have a business auto policy. If you’re driving a truck you own personally for a business purpose and get into an accident for which you are liable, an injured person could sue you personally. Will your personal auto policy have enough coverage to pay all the damages? If not, a lawsuit may be filed against your business. If you use personal vehicles for business, you want to be sure you have high enough limits to protect your business. You should discuss this with your insurance agent.

WORKERS COMPENSATION INSURANCE

States have varying rules about when an employer must provide workers compensation insurance. If you have three or more employees, you should check with your state department of workers compensation to see if you are required to provide workers comp insurance.

Let Cornerstone Insurance Services, LLC help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering Artisan Contractor coverage.

Our insurance program includes neighborhood grocery stores and convenience stores selling food and miscellaneous household supplies. These stores may include gas sales and /or one coin-operated, drive-through, automatic car wash bay. Protecting your grocery/convenience store with the appropriate types of business insurance coverage, you can rest assured that you are ready for whatever risks or hazards may come along.

General Liability

- Primary Limits up to $3,000,000 Occurrence/Aggregate
Liquor Liability

Included Coverages:
- Medical Payments Coverage - $5,000 Limit
- Additional Interests

Deductible:
- No Deductible Required

Property

- Basic, Broad or Special Form
- Replacement Cost or ACV
- Building
- Contents
- Business Income
- Equipment Breakdown
- Accounts Receivable
- Computer Equipment
- Outside Signs
- Valuable Papers
- Food Spoilage
- Gas Pumps, Islands or Canopies

Crime

- Inside the Premises - Theft of Money and Securities
- Outside the Premises

Let the Cornerstone Insurance Services, LLC, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Grocery/Convenience Store Insurance policy holders.

Business General Liability insurance is often simply referred to as General Liability insurance. This significant protection to a business covers claims of property damage and/or bodily injury to a 3rd party caused by your business operations, from the insured premises, or when someone is injured as the result of using the product manufactured or distributed by your business. This general liability coverage may also provide for the legal defense of the insured.

Why Do You Need Business General Liability?

Consideration must be given to the extent and limits of coverage a business might need to meet the comprehensive need of the organization. Limits protect assets of the insured, how much is needed should be carefully evaluated by the insured. How broad or comprehensive the coverage also needs to be can be judged in the analysis of how to protect your business. Lawsuits, with there frequency of filings and values of the judgment against an insured are skyrocketing, and a loss or judgment against the business can be catastrophic financially.

Protect your Company with General Liability

Premises and Operations

A customer at the store you own trips over a fixture and sustains a significant injury from the fall. Bills for the hospital visits are submitted to you for payment. our Business Liability Insurance can cover these charges, as well as the business owner, should he be sued by the customer for negligence.

Products and Completed Operations

The deck you built a year ago was flawed, causing a new building owner fiscal disaster. A legal notice appears in the mail informing you of a lawsuit. The case goes to court and your former client wins. Our Business Liability insurance can handle the defense costs and, if it comes to it, the legal damages for which the policyholder is responsible.

Cyber Liability & Data Breach

You don't know why or how, but your computer system has been hacked. And now all your confidential business and customer data could be online, free to trade and impersonate. The least of your worries is finding the source of the data breach and repairing exposed computers. Your focus is now on damage control and possibly recovering stolen data. Fortunately, your Cyber Liability insurance coverage can help provide you with legal and forensic assistance, as well as free data security risk management services for your customers.

Employment Practices Liability

If you've been in business for a few years or operate in an industry with high turnover rates, you've likely hired many employees, whether temporary or full-time. The truth of the matter is that any of these employees can bring legal action against your business at any time. our Employment Practices Liability insurance can help cover your business entity, directors, officers and employees if you are accused of wrongful termination, harassment, discrimination, and other employment-related offenses.

Let Cornerstone Insurance Services, LLC help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering General Liability coverage.

Whether your food service business is a café, deli, diner or gourmet restaurant all food service businesses have certain risks in common.

Your most cost effective and efficient way to obtain property and liability coverage will probably be with a Businessowners Policy (BOP) especially tailored to food service risks. Though marketed under a number of names, these policies will typically have provisions similar to the property insurance and liability insurance sections of the BOP.

PROPERTY INSURANCE

The BOP covers real estate your business owns. If your business rents or leases its premises, the BOP provides coverage, in the event of a covered cause of loss, for tenants' improvements and betterments. These are fixtures, alterations, installations or additions that you have put into the space that cannot legally be removed from the landlord’s premises.

The BOP also covers your equipment, dishes, food and other business property. Your basic policy will probably include two coverages that are often vital to business survival if there is a disaster: Business Income and Extra Expense Insurance (also known as Business Interruption Insurance). Business Income Insurance helps pay ongoing expenses while your business is unable to function after a loss and also helps make up for lost profits. Extra Expense Insurance helps you recover as quickly as possible by paying extra expenses caused by the loss—such as rent for temporary quarters. If these coverages are not part of your basic policy, you can add them for an additional premium.

Any business that serves food carries the risk that its product could cause food poisoning or transmit a communicable disease. Adding the Food Contamination Endorsement to your policy gives you insurance for this risk. With most policies, the insurer will pay for lost income if the restaurant is closed down by government authority and will also pay for clean up expenses, food replacement, medical tests for infected employees and additional advertising expenses to restore your reputation.

Other useful property coverages are:

- Spoilage: Covers the value of property spoiled as a result of a breakdown of your temperature control system due to conditions beyond your control.
- Mechanical Breakdown: Covers mechanical or electrical breakdown to your boilers, pressure vessels, refrigeration systems, piping and mechanical and electrical machines or apparatus that generate, transmit or simply use mechanical or electrical power.
- Outdoor Signs: Covers an outdoor sign not attached to the building - Burglary and Robbery: Covers the risk of theft by outsiders - Employee Dishonesty: Covers some risks of theft by your own employees.

LIQUOR LIABILITY INSURANCE

Liquor liability insurance is business coverage that protects your business against loss or damages claimed as a result of a patron of your business becoming intoxicated and injuring himself or others. If your business manufactures, sells, serves or facilitates the use or purchase of alcohol, then your business will likely need this coverage. Liquor liability coverage may be sold as an add-on to a commercial liability policy or as a stand-alone policy. But, if you do not purchase this extra coverage, your standard commercial general liability policy does not protect your business against liquor-related claims.

GENERAL LIABILITY INSURANCE

Liability risks are part of any business endeavor. A BOP covers a broad range of potential liability situations—everything from slip and fall accidents to claims of libel or slander.
At the same time, there are liability risks not covered by a BOP. One that could prove costly to a business that serves alcohol is liquor liability. If you serve alcohol to someone who has already had too much to drink, you may be liable for any harm that person does. A Liquor Liability Endorsement covers your defense and any damages for which you are liable, up to the policy limit.

BUSINESS VEHICLE INSURANCE

Your personal auto policy probably provides coverage for some business use of your vehicle. A personal auto policy is unlikely to provide coverage, however, if the vehicle in question is used primarily in business. It will not provide coverage for any vehicle owned by a business. For those vehicles you must have a business auto policy.

Should you be driving your personal auto for a business purpose and get into an accident for which you are liable, an injured person could sue you personally. Will your personal auto policy have enough coverage to pay all the damages? If not, a lawsuit may be filed against your business. If you use personal vehicles for business, you want to be sure you have high enough limits to protect your business. You should discuss this with your insurance agent.

WORKERS COMPENSATION INSURANCE

States have varying rules about when an employer must provide workers compensation insurance. If you have three or more employees, you should check with your state department of workers compensation to see if you are required to provide workers comp insurance.

MORE INFORMATION ON COVERAGE
- Property
- Liability
- Business Vehicles
- Workers Compensation

Let the Cornerstone Insurance Services, LLC, help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering purchasing this insurance from us.

As a business owner, you go to great lengths to provide a safe workplace for your employees. But unfortunately, accidents can still happen — regardless of the extra precautions you take.
Workers' compensation insurance is a state-mandated insurance that provides income, medical benefits and rehabilitative services for workers injured on the job or while performing work-related duties. It ensures that injured workers receive financial compensation for medical care and for a portion of the income they lose while they are unable to work. Workers' compensation insurance also helps protect employers from lawsuits initiated by workers injured on the job.

Cornerstone Insurance Services, LLC offers many workers’ compensation insurance options to meet your needs.

Your Business Is Everything to You

Help Make Sure You Have it Protected.

Finding and buying the insurance that meets the unique needs of your business can be easy when you work with the experienced team at Cornerstone Insurance Services, LLC. We understand that your business is one of a kind and needs specific protection.

When you work with Cornerstone Insurance Services, LLC, you’ll receive:
- Competitive quotes from the multiple insurance companies we represent
- Straightforward advice from our business-savvy agents, so you can confidently select and conveniently purchase the coverage your business needs at a price that makes sense for your balance sheet
- Ongoing support from a company you trust to help make sure your coverage is up to date as your business changes

Call Today For A Free Quote

Call us to speak with one of our agents, or complete our online quote form.
Please have your current policies available when you call.
Let the Cornerstone Insurance Services, LLC, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Workers Comp Insurance policy holders.

2022 Annual Enrollment Period

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