Brown's Insurance

Business Insurance

We know just how important your business is to you.  As a business owner you certainly have a lot to protect. That’s just one of the reasons why we take the time to…

  • Analyze your business needs.
  • Develop a plan that is customized and responsive to your own specific situation.
  • Offer you competitive pricing that is reflective of your exposure and experience.

Running a business in today’s economy is a challenge, but can also be very rewarding. Although keeping up with day-to-day operations takes up most of your time, you also must take all necessary precautions to safeguard your business from loss.

Whether you own an office building or a coffee shop, we offer the right combination of coverages to meet your needs.

Our many products and coverages can be tailored to meet your business insurance needs, no matter how big or small.

We are pleased to offer these insurance coverages for your business and professional needs:

  • Artisans
  • Building Laws Safeguard – Your building can be your largest investments, so it’s smart to insure them at their replacement cost value.  But sometimes even that isn’t enough protection.  Because of changing laws, you may have to pay costs to rebuild that you aren’t aware of until it’s too late.  That’s a future expense and worry you can avoid by adding Building Laws Safeguard coverage.
  • Business Automobile – this coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.
  • Condominium Master Policies
  • Commercial Liability – provides coverage including defense for liabilities associated with operating a commercial business enterprise. Policies are tailored to meet the specific risk management needs of your business.
  • Contractor Packages
  • Contractors Errors and Omissions Coverage – Contractors face out-of-pocket financial loss because of the potential to suffer property damage to your products and your work caused by faulty workmanship, materials or design.
  • Directors & Officers – designed to protect the directors and officers of your organization from damages and defense costs due to civil claims, claims of negligence, and of errors and/or omissions.
  • Employment Practices Liability – provides coverage for defense costs and liability arising from allegations of improper employment practices, sexual harassment, and discrimination.
  • Environmental Impairment – Most commercial general liability policies still contain an absolute pollution exclusion, so environmental expenses are excluded from coverage. For anyone involved in corporate mergers and acquisitions, the reasons for buying environmental insurance impairment and cleanup cost-cap insurance are many.
  • Environmental Liability
  • Equipment Floater – provides coverage for business assets and hardware while these items are off premises.
  • General Contractors (Commercial & Residential)
  • General Liability
  • Home Based Business – Homeowners insurance does not necessarily cover many home business-related claims. This could mean a major loss of income, as well as other significant losses, for your home business.  If you have a home based business consider contacting us to discuss proper coverage options that offer both protection and affordability.
  • Large Commercial Property Portfolios – provides coverage for your buildings and contents. Coverages range from specific named-perils policies to broader all-risk policies.
  • Manufacturer Packages
  • Pollution & Mortgage Impairment – Pollution coverage and mortgage impairment insurance for lenders who hold title, operating interest or contingent ownership of property is increasingly important and is intended to cover lenders from liabilities that arise during the loan workout and property disposition process.
  • Product Liability
  • Professional Liability – provides coverage for defense costs and awards for liability arising from improper professional practices and errors and omissions in the conduct of business activities.
  • Special Event Coverage – provides third party liability coverage for a short term special event.
  • Workers’ Compensation – this coverage is designed to meet the workers’ compensation laws of your state. Workers’ compensation coverage provides protection for injured workers and supporting protection through employer’s liability coverage.

The companies we represent may even offer you the opportunity to package many of these coverages within a single policy.

As you can see, we offer a broad range of products to meet your business insurance needs. Here are a number of other packages and plans to consider:

  • A Businessowners’ Policy that is broad and comprehensive to meet businessowners’ needs in the areas of property and liability coverage. Coverage for specific businesses and optional extended coverage are also available.
  • The Commercial Package Policy is flexible to ensure comprehensive coverages tailored for specific businesses. It includes Property, Comprehensive General Liability, Crime, Inland Marine and Automobile coverages.
  • The Commercial Umbrella Policy provides the extra protection every business requires with extra limits where general liability and automobile limits end.
  • Loss Control services that help you reduce loss severity exposure, provide information on reducing loss frequency, and identifies safety programs.
  • The Business Overhead Expenses Plan offers your business protection in the event that you become disabled.

QUALIFIED EMPLOYEE BENEFIT PROGRAMS
Few things are as important to you and your employees as a cost effective benefit plan.  Your ability to attract and retain qualified personnel will depend on the scope and efficiency of the program you have in place.  No other area is subject to such rapid and intense change, and the balance between coverage and cost will become more and more difficult in the future.  Employee benefit programs are no place for guesswork, you need the soundest advice possible.

PENSION AND PROFIT SHARING PLANS
You certainly realize the importance of providing appropriate vehicles for retirement planning for your employees.  In order to make the right decisions in this constantly changing environment, you need one of the Associated Insurors of Mississippi to keep you up to date with the Internal Revenue Service, the Department of Labor, the Pension Benefit Guaranty Fund and Congress.

NON-QUALIFIED BENEFIT SERVICES
It has been pointed out that probably twenty percent of your personnel contribute eighty percent of your profit.  To reward and retain these people is paramount to your continued growth and success.  Associated Insurors of Mississippi can design ways to reward you and your key people.

VOLUNTARY PLANS
In order to meet your benefit objectives cost effectively, an option to consider may be to add a range of voluntary, employee-paid, plans.  Your expense is limited to the processing, and your employees get the advantages of group rates.

Ridgeland, MS