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  • Commercial Insurance

    Maynard Insurance Agency, Inc. offers commercial insurance policies in Huntington, WV to protect your business operations.

    Commercial Policies Protect Your Business Operations

    Maynard Insurance Agency, Inc. is your local source for the best in commercial insurance policies. These are especially tailored to suit business operations large and small, in line with what is required by law, business associates, lenders, rolling fleet, landlords, and employees, as applicable. Our agents at Maynard will review the options with you. Having adequate business coverage will help you avoid gaps in coverage where you may need it most. Discounts may apply.

    Basic Coverage Options for Business

    • Business Auto Insurance can get you on the road again quickly after an accident and ensures your business is protected against loss from injuries to other drivers, passengers, and pedestrians for which you and your employees are liable.
    • Business Crime Insurance can protect against fraud, theft, forgery, or robbery.
    • Liability Insurance can protect against financial losses resulting from claims of injury or property damage caused by you, your employees, and your products or services.
    • Property Insurance can fund repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike.
    • Workers’ Compensation Insurance can satisfy your employees’ medical needs in the event of an accident, or disease, and make a quick return to work possible, while removing lawsuit potential by current or former employees.

    Additional Business Coverages

    • Bailee coverage can protect against damage to customers’ goods, including jewelry and clothing.
    • Delivery/Catering Non-Owned Auto if an employee is involved in an auto accident while driving a personal automobile on company business, such as in a delivery or catering service.
    • Employment Practices Liability can cover your business if discrimination, sexual harassment, or wrongful termination claims are made by present, former, or future employees.
    • Life Insurance for Business Owners can help you plan for business succession, survive the loss of a key employee or partner, and retain/reward your top people.
    • Spoilage for perishable goods when they spoil due to a mechanical breakdown or power outage.
    • Transportation and Cargo to cover against goods that are damaged or lost when transported by one of your vehicles or common contract carriers.
    • Umbrella can shield your business from potentially ruinous lawsuits with additional liability coverage.

    How Maynard Insurance Agency Can Help

    If you are already made the sound choice to protect your organization and employees with business insurance, our agents are able to review specific needs that may change over time. Businesses can grow at a rapid pace, and coverage that might have been adequate for a small, start-up business just a year or two ago may need to be adjusted or added. Consider your bottom line—if your net worth has changed, if you have added employees or expanded your location, it may be time to be sure your coverage options continue to protect your assets fully.

    How do you know?

    Take a moment to compare your current coverage with these basic coverages based on specific industries.

    • Apartment building operators may benefit from: business property, business liability, business crime, and building ordinance coverage.
    • Auto service/repair shops may benefit from: business liability, business property, business auto, and business crime coverage.
    • Commercial real estate holders (shopping centers, industrial buildings) may benefit from: business property, business income, tenant move-back, and building replacement cost coverage.
    • Education and Non-profit organizations (museums, arts, civic groups) may benefit from: business property, business liability, tuitions and fees, counseling professional liability coverage.
    • Home, building, and property maintenance services (plumbers, landscapers, painters, etc.) may benefit from: business property, business liability, tools and equipment, and business crime coverage.
    • Homeowners associations may benefit from: business property, unit owner’s coverage, business liability, and business crime coverage.
    • Hotels and hospitality operations (bed & breakfasts) may benefit from: business property, business liability, business crime, and guests’ property coverage.
    • Manufacturing and industrial operations (product, food, printing equipment) may benefit from: business property, business liability, and workers’ compensation coverage.
    • Professional services (medical, veterinary, etc.) may benefit from: business property, business liability, workers’ compensation, and business crime coverages.
    • Religious organizations may benefit from: business property, business liability, business crime, and optional pastoral professional liability coverages.
    • Restaurants (fine dining, casual, and fast food) may benefit from: business property, business liability, business crime, and workers’ compensation coverages.
    • Retail locations (salons, boutiques, convenience stores, etc.) may benefit from: business property, business income, business liability, and business crime coverages.
    • Wholesale operations (trucking, distributors, warehouses) may benefit from: business property, business liability, product recall expense, and transportation and cargo coverages.

     

    If it has been a year or more since you reviewed your business coverage, give our agents at Maynard Insurance Agency a call to keep your business insurance up-to-date.

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