Business Insurance Center

    BusinessInsurance

    Langon Insurance Agency offers comprehensive insurance coverage for a broad spectrum of business, i.e., churches, contractors, funeral homes, printers, professional and medical offices, trade associations, non-profit organizations, school, landlord, and all types of “main street” businesses. As our client, you will benefit from a package tailored to your specific business needs that will provide you with complete protection for you and your business.

    Business Package Insurance is single insurance policies that combine several protections for your business building, business personal property, loss of earnings, extra expense, business liability, excess liability, fidelity bond, equipment breakdown, etc.

    Property Insurance provides protection against most physical damage to building and business personal property, such as fire, theft, lightning, weather related damage.

    Business Interruption Insurance is designed to put a business in the same financial position it would have been if there were no loss. It covers the loss of income and extra expense that a business suffers after a loss while its facility is being rebuilt

    General Liability Insurance is designed to protect business owners from a wide variety of liability exposures. Exposures could include liability arising from accidents resulting from the business’ premises or it operations, products sold by the insured, operations completed by the insured, and contractual liability.

    Automobile Insurance provides protection for the risks associated with driving or owning an automobile. It can include collision, liability, comprehensive, medical, and uninsured motorist coverages.

    Umbrella (Excess) Liability Insurance provides for losses above the limit of an underlying policy or policies. While it applies to losses over the dollar amount in the underlying policies, terms of coverage are sometimes broader than those of underlying policies.

    Workers Compensation Insurance pays for medical care and physical rehabilitation and helps to replace lost wages of injured workers while they are unable to work. State laws, which vary significantly, govern the amount of benefits paid and other compensation provisions.

    Directors and Officers Liability covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in suits against the company. D&O policies may be broadened to include coverage for employment practices liability.

    Professional Liability covers professionals for negligence and errors or omissions that injure their clients.

    Fidelity Bond is a form of protection that covers losses that you incur as a result of fraudulent acts by employees or specified individuals. This will pay for loss of money and securities

    Surety Bond is contract guaranteeing the performance of a specific obligation. The surety company becomes responsible for carrying out the work or paying for the loss up to the bond “penalty” if the contractor fails to perform. Other surety bond includes License and permit bonds.

    Equipment Breakdown Insurance covers damage caused by the malfunction or breakdown of boilers, and a vast array of other equipment including air conditioners, heating, electrical, telephone and computer systems.

    Employment Practices Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees. It covers discrimination (age, sex, race, disability, etc.), wrongful employment, sexual termination of harassment, and other employment-related allegations. It covers your firm, including its Directors and Officers.