Commercial Insurance
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Business Owners
A businessowners policy (BOP) combines business liability, commercial property, business income, and equipment breakdown coverages into one cost-effective package for businesses. BOPs can be general in nature, or personalized to meet your business’s industry-specific needs. Standard BOPs include commercial property insurance, business liability insurance, business income insurance, or equipment breakdown insurance.
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Restaurant and Liquor Liability
Any business that sells alcohol, regardless of size, is exposed to liquor liability and could benefit from purchasing insurance. Sometimes, businesses are legally required to get this coverage before they will be given a liquor license or a commercial lease. Liquor liability insurance helps protect a business that sells, serves, or distributes alcohol. This type of business insurance is critical for the insurance protection any institution that sells alcohol needs in their portfolio with Morris Insurance.
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Workers Compensation
In the event that one of your employees experiences an occupational injury or illness, workers’ compensation insurance can cover their associated medical expenses and rehabilitation costs, and—in some cases—recoup a portion of their lost wages from the incident. This form of coverage can also help pay death benefits to an employee’s family if they are killed on the job. Morris Insurance has the best markets available and we work with you throughout the year to stay on top of your employees and protection required through workers compensation programs.
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Business Auto
Commercial vehicle insurance is needed to cover the cars, trucks, and vans used in conducting your business. This type of business insurance covers a variety of vehicles and is also referred to as commercial auto insurance, commercial car insurance, truck insurance, or fleet insurance.Call on Morris Insurance to work with you on the best markets for your business auto and fleet policies.
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Umbrella- Excess Liability
At Morris Insurance we are here to help for even worst case scenarios. Umbrella insurance will kick in for high-loss situations, and can act as an added layer of protection to your business’s liability policies. Such a policy can provide coverage when the cost of a claim exceeds your policy’s limit of liability.
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Cyber Liability and Ransomware
This type of coverage can help your business recoup expenses associated with a cyberattack or data breach. These costs may include legal fees that result from the breach, expenses related to informing customers of the incident and investigating the cause of attack, and the cost of recovering lost data or repairing damaged technology systems.