Morrow Insurance and Professional Services

COMMERCIAL INSURANCE

You Work Hard! We'll make your business insurance easy!

Business Auto
Liability
Property
Crime
Inland Marine
Equipment Breakdown
Business Interruption
Business Owners Policy
Commercial Umbrella
Workers Compensation Insurance Coverage

The Morrow Insurance Agency will make sure your business is covered!

Keep Your Company Moving with Business Auto Insurance

Business auto insurance allows you to move your business forward. Whether you use vehicles to provide mobility for your employees, equipment or products, you cannot operate without comprehensive company car insurance. The Morrow Insurance Agency understands that road conditions, weather and other drivers are out of your control. For example:

A sudden traffic shift causes you to lose control of your vehicle
Hail or vandalism damages your car
An uninsured driver hits your vehicle

Get commercial auto insurance coverage that fits your business

That's why it's important to have business auto insurance to protect the vehicles you use for your business. Contact an agent today and get a free customizable commercial auto insurance quote that can include:

Auto liability
Medical payments
Comprehensive coverage
Collision coverage
Uninsured and underinsured motorists coverage
Coverage for autos you borrow or rent
Coverage for employees using their cars for the business

Business Liability Insurance

Business liability insurance is something you cannot do without. As someone who runs a business, you are familiar with the day-to-day uncertainties of small business management. Isn't it nice to know that you and your business can depend on premium business liability insurance from Nationwide?

The Morrow Insurance Agency understands you need complete business protection not just your "one size fits all" coverage. We cover medical expenses, attorney fees and damages when you are legally responsible and other situations that may not have even crossed your mind, regardless of your planning.

We understand all of the hard work you have spent on your business plan - the number crunching, careful planning and endless hours you've invested. And because accidents can - and do - happen, our carrier's professional liability insurance can protect you and your business. For example,

Did you know?

Any individual or business providing an opinion, making recommendations, designing solutions or offering a service is at risk for a professional liability lawsuit?

Our carriers can provide coverage to help with defense costs, regardless of fault. And we offer protection for judgments, court costs and more.

Get the business liability coverage you need

Your insurance needs are unique to your business. Based on the business liability insurance requirements for your company, we can work with you to determine the right type of general business liability insurance coverage for every stage of your business.

We offer coverage for:

Professional liability insurance
Products and completed operations
Fire legal liability
Medical payments
Premises liability
Employer's liability insurance, employee benefits liability and employment-related practices liability

Property Insurance

Your property is a major part of your business. If something happened to it, your business could suffer a setback - in time and in money. For example:

A fire could destroy your building and the contents inside
A burst water pipe could damage your documents, drawings or other valuable papers
A storm could damage your outdoor sign

That's why Property Insurance is an important investment in the future of your business. It can protect:

Your building
Your outdoor sign
Your furniture and equipment
Your inventory
Your fence and landscaping
Others' property

The Morrow Insurance Agency understands that your business is unique and changing. We can tailor our policy to fit your needs.

Commercial Crime Insurance Protects Your Company from Fraud, Theft, Forgery and More

Business fidelity insurance is designed to protect your company from many types of crime. Because crime is a common worry for businesses, The Morrow Insurance Agency offers business protection to cover your company when employees decide they are entitled to the company's inventory or a thief robs you of your cash. Working through such losses takes time and money - resources that would be better spent running your business.

Business crime insurance coverage from our carriers offers business protection and more. We offer coverage for:

Employee dishonesty
Forgery or alteration
Theft of money and securities
Burglary or robbery
Computer fraud

Commercial theft insurance covers your cash

Did you know your business property coverage may not reimburse you for cash and checks in a building if a fire or other disaster destroys them? By choosing a commercial crime insurance policy from our carriers, you can get cash register insurance to protect your cash. Business crime protection is just one more area where The Morrow Insurance Agency has you covered.

Protect Your Goods in Transit with Inland Marine Insurance

Don't let the fact that Inland Marine Insurance has an odd name stop you from considering it as part of a comprehensive business insurance plan. Originally created to cover the transportation of goods over water, it has expanded over the years to cover goods in transit on land as well, including:

Property being transported
Buildings under construction
Computer equipment and data
Accounts receivable
Fine artwork

Does your business need Inland Marine Insurance?

Depending on the type of business you own, this coverage can be essential to protecting business property. Think about the items you place in your car or truck on a daily basis to get your work done or the valuables, including data, you own or are responsible for. Most property policies limit or exclude coverage for these items.

Or perhaps you are in the construction trade or are building an addition to your office. Inland Marine Insurance can protect the building materials-and a contractor's tools and equipment.

If you clean, repair, service or perform work on property of others, Inland Marine Insurance can work for you. It can cover losses to goods that occur at your premises, while being transported to or from your premises or in storage

Equipment Breakdown Insurance

Equipment Failure Doesn't Have to Mean Business Failure

Business equipment insurance is as important to your business operations as the equipment itself. In an age of technology - telephones, computers and electrical systems - your company is dependent on a variety of machines to communicate with customers, heat and cool the building and to create, store and sell your products. The Morrow Insurance Agency understands that damaged equipment can mean lost income, so we offer comprehensive insurance for equipment breakdowns to keep business running smoothly. For example:

A power surge could damage your computer network
Your boiler could explode, causing your business to shut down temporarily
An employee might damage your only production machine

Business equipment insurance protects equipment that is vital to your success

Most standard property insurance policies do not provide insurance for the typical causes of equipment breakdown. Equipment breakdown coverage protects against damage caused by power surges, mechanical breakdown, motor burnout, boiler damage and operator error. It can pay for:

The cost to repair or replace the damaged equipment
Costs associated with the time and labor to repair or replace the equipment
Other expenses incurred to limit the loss or speed the restoration
The cost to replace the spoiled stock or materials

Business Interruption Insurance

Because Time Is Money Business interruption insurance keeps your business from closing its doors due to unexpected events. If you're closed for business, you still have to pay the bills - employees, rent or mortgage, suppliers, taxes and yourself. A force outside your control may interrupt your business continuity strategy and cause you to close your doors for a time, including:

Fire
Hail
Wind storm
Vandalism
Equipment damage

Business interruption insurance keeps your business running

Business interruption insurance can keep capital flowing through your company in the event of such disruptions. It can help you:

Maintain your Create a business continuity strategy
Keep your business afloat if a loss forces you to close for a short time
Pay for lost net income and continuing expenses such as mortgage, advertising, taxes and salaries
Pay your relocation and advertising fees if you set up shop at a temporary site

Your business continuity strategy gets business back on track faster

At The Morrow Insurance Agency, we understand that your business is your livelihood, so with our business interruption insurance we start payments sooner. Some companies force you to wait 72 hours after a loss before they start to pay*

* Products and coverage not available to all customers in all states

Business Owners Policy to Protect Your Business

Business owners insurance from our carriers offers complete coverage for small businesses - typically those with fewer than 100 employees and less than $5 million in sales. A business owners policy, also known as a BOP, combines several types of insurance coverage together so you can buy a package of protection at a competitive price. With convenience and customizable coverage options, find the insurance for your small business that is right for you.

With a business owners policy from our carriers, your small business can get property insurance, liability insurance, crime coverage and much more, built into one convenient package. Our insurance for business owners works to protect you from:

Property claims
Equipment breakdown
Income loss
Professional liability claims
Products and completed operations claims
Fire legal liability claims
Premises liability claims

Business owners insurance builds in the specialized coverage your business needs, plus you can choose from an array of other coverage options. And if your company needs additional coverage, our agents will work with you one on one to create a tailored business owner's insurance coverage package that suits your specific needs.

Get business owners insurance that is right for your workplace

Business owners insurance can be a good solution for businesses like:

Auto repair and lube shops
Delis and coffee shops
Motels and hotels
Medical, dental and veterinarian offices
Service shops, such as dry cleaners and funeral homes
Retail florists and clothing stores
Wholesale barber and beauty suppliers
Strip shopping centers

Commercial Umbrella Insurance - Because Accidents Happen

Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all expenses. Standard business liability coverage will take care of you in most situations, but when serious situations arise, umbrella liability insurance will help ensure that your business is protected. While no one wants accidents to happen, they do - and people sue. Here are a few possibilities:

Your company holiday party gets out of hand resulting in various injuries and damages
Your building has a carbon monoxide leak that results in multiple injuries and/or deaths
Your business fails to render the appropriate professional services

Cover your business with umbrella liability insurance

A business umbrella policy picks up where your business auto liability, general liability or other liability coverage stops. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage.

For example, if your current policy covers you for $1 million and you are successfully sued for $1.5 million, your business umbrella coverage can pay the outstanding $500,000-which is a lot less painful than having it come out of your business profits.

Umbrella liability insurance coverage tailored to your business needs

How much commercial umbrella insurance coverage does your business need? A variety of factors goes into determining the answer, including the type of business you own and how much coverage you already have.

Workers Compensation Insurance Takes Care of Your Employees

Workers compensation insurance protects the key players on your team - your employees. You count on them for the service, knowledge and expertise needed to move your business to the next milestone and The Morrow Insurance Agency is here to make sure that doesn't change. They count on you to be a great employer and to take care of them with workers compensation coverage if the unexpected happens. For example:

An employee is injured in an auto accident while running errands for the company
An associate develops carpal tunnel syndrome from working on the computer
An employee gets hurt while restocking the supply room

Get the right workers compensation coverage for your business

Get peace of mind by protecting your employees with our carriers, your workers compensation insurance company. Our coverage can:

Pay for an injured employee's medical treatment
Replace part of lost wages if a job-related injury requires time off work
Protect your business and assets

We can help you find the workers compensation coverage that best fits your company and recommend ways to improve job safety, control losses, lower your claim costs-and most importantly, protect the people who work for you. Get a workers compensation insurance quote today!