Commercial Insurance at Butler & Messier
We represent a selective group of financially sound, reputable insurance companies. Additionally, we place your policy with the company that best matches your current situation and insurance needs. Our staff will conduct a complete analysis of your business insurance needs. Working with you, we design a competitively priced policy that will ensure the protection of your business.
Regular Insurance Adjustments
Not only do we find the best match for your current needs, but we make regular adjustments to your policy too.
Throughout the year, we review your coverage and make modifications to meet the requirements of your changing business. As a result, your business always has the
right level of protection.
Proactive Risk Management
With a commitment to take a proactive approach to claims, Butler & Messier provides businesses with risk exposure consultations. Furthermore, we assist you in minimizing and preventing loss. We also offer on-site claims handling and a customized claims kit.
Commercial Coverage Options
Property, Auto & General Liability
Some of the types of losses we protect businesses against include theft, fire, and weather- related losses. Business can also insure their vehicles against damages and liabilities arising from theft, collision, and other mishaps. Additionally, general liability protects your business against claims of bodily injury and property damage arising from the operation of your business or from your employees.
Business Owners’ Package
The business owners’ package we offer provides premium discounts and special payment options. In order to be eligible for the package, businesses are advised to combine property and liability coverage with other features to ensure comprehensive protection.
Workers’ Compensation
Employees who are injured while at work can also be protected by us through workers’ compensation. This is an annualized coverage, and is usually required with one or more employees.
Professional Liability
Professional liability insurance is not only necessary for doctors and lawyers, but for all businesses. Moreover, professional liability will protect your business from expensive claims. For example, your business may be named in a lawsuit if a client holds you responsible for errors. Rather than hoping for the best, you can have some peace of mind by calling our agents today.
Commercial Umbrella
Umbrella insurance is designed to offer extra financial protection in the event of a loss that a primary commercial policy does not cover. For example, business owners may face challenges if a legal settlement exceeds the limits of your primary business insurance. Consequently, umbrella insurance would provide their business with the additional protection they need.
Specialty Coverages
To maintain adequate coverage for all your business insurance needs, Butler and Messier also offers the following specialty coverages:
- CPA Profession Liability Program
- Contractor Packages
- Retail & Manufacturing Jewelers’ Program
- Inland Marine Floaters
- Group Life, Health & Employee Benefits Plans
- COBRA Administration
Supplemental Employee Benefit Plans
Butler & Messier also offers supplemental employee benefit plans. Benefit plan options we offer include the following coverages:
- Dental
- Vision
- Hearing
- Life
- Disability
- Long Term Care
- Executive Compensation