Business Insurance

The insurance professionals at The Sarrica Group, Inc. will partner with our commercial lines clients to serve their risk management and insurance needs while also providing them with the most comprehensive insurance coverages required. Whether your company is a small business, a manufacturer, contracting business, retail owner, or professional service company, our professional agents can provide the proper insurance solutions to meet your needs while also mitigating your business' risk exposures.

Each business and industry is unique

At The Sarrica Group, Inc. we will work with you to identify ways to cover the unique risks and hazards of your business accurately. As independent business owners ourselves, we understand the special protection that businesses need in order to prosper and succeed. Here are the different types of markets that we work closely with:

Small Business
Real Estate Investors
Condominium Associations
Auto Repair/Auto Body/Towing
Restaurants/Food Service
Contractors
Manufacturers
Wholesalers/Distributors
Retailers
Management Consultants
Law Firms
Accounting Firms
Computer and Software Companies

LIST OF COVERAGES THAT WE CAN OFFER YOU:

General Liability Coverage
This insurance coverage is designed to protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. Every company needs some form of liability insurance to protect the business from major lawsuits that can arise from a single accident. Ensuring that General Liability Insurance sufficiently covers your business is imperative as legal fees can run into hundreds of thousands of dollars in total expenses.
Commercial Property Coverage
This is a type of commercial coverage that can protect your business's physical assets, including its building, furniture, equipment, inventory, and more. Commercial Property Insurance is used to protect any business property from perils such as fire, theft and natural disaster. It also provides coverage for assets like accounts receivable, computers and lost income for when business operations are suspended due to a covered loss.
Business Owners Policy
A business owners policy (BOP), combines the protection from significant property and liability risk exposures into one convenient package. A standard business owner policy includes property insurance, business interruption insurance, crime insurance, comprehensive general liability insurance and may consist of flood insurance. Depending on additional risks specific to your business, the policy can be endorsed to add other coverages. The premiums for a Small Business Owner policy is usually less than the total cost of the individual coverages if bought separately and is targeted at small and medium-sized businesses.
Commercial Auto Coverage
Commercial Auto Coverage provides coverage for vehicles owned by commercial businesses. Coverage may be more restrictive than personal insurance and premiums are based on usage, industry, and drivers. Companies with fleets of autos, vans, trucks, pick-ups and other heavy vehicles require Business Auto Insurance.
Commercial Umbrella Coverage
Important assets can be at risk when commercial enterprises are the target of legal lawsuits. If the cost of a claim exceeds the limits of the named insured's underlying primary insurance policies, then Commercial Umbrella Insurance extends liability coverage limits for an extra layer of insurance to help further safeguard a company's financial assets.
Errors and Omissions Coverage
This coverage protects firms and their workers or individuals against specific claims made by clients or consumers for inadequate work or negligent actions. Errors and Omissions Coverage can help protect you and your business from claims if a client sues your company for negligent acts, errors or omissions committed during business activities that result in peril for your client or customer.
Directors and Officers Coverage
This is a type of liability insurance that helps businesses cover defense costs and damages arising out of wrongful act allegations and lawsuits brought against an organization's board of directors and/or officers. This coverage protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company.
Workers' Compensation Coverage
This insurance coverage protects your employees should a job-related injury or sickness occur during employment. Payments are made to the injured party and can consist of medical payments, loss of wages or therapy. Premiums are based upon occupations, classifications, payroll, experience, and State modifications. This coverage is mandatory for all businesses seeking to hire employees under an organization.
Commercial Flood Insurance
This coverage is designed to help safeguard your company against the expenses that can arise from flood water damage. Commercial flood insurance protects both the physical location of your business along with the material contents and assets located on the premise. This policy will protect your business if your floors, walls, ceilings, equipment, etc. sustained any sort flood water damage.