- Employee Benefits
- General Liability
- Excess Liability/Umbrella
- Professional Liability
Commercial Vehicle Insurance
As a business owner, you are responsible for obtaining appropriate insurance converge for your company's vehicles. The way your vehicles are used in your business will determine the type of coverage you should have. At Sprowls, we ask all the right questions regarding your vehicle usage so we can develop a commercial vehicle insurance plan that is customized for your company. Factors that influence your vehicle insurance converge include:
- Which employees drive company cars?
- When do your your employees use company vehicles?
- Do you have employees that use their personal vehicles for work?
Our friendly and knowledgeable agents will ask these questions and more as they walk you through the process of purchasing commercial vehicle insurance andyou can be sure we will search the country to find you the best rate.
Contact us today or call to learn more about your options- or get a free commercial auto insurance quote right now!
Offering benefits to your employees will attract a higher caliber of worker and make your company more successful and more profitable. When applicants look for employment, the two most important factors they consider are salary and benefits. The Sprowls Insurance Group will help you recruit and retain better employees by setting you up with an affordable and attractive employee benefits package.
Employee benefits may include but are not limited to:
- Health Insurance
- Retirement plans
- Workers Compensation
No matter what size and type of business you are running, The Sprowls Insurance Group can help you incentivize your business and recruit a higher quality of employee by offering your employees a full range of comprehensive benefits.
Contact us today for a free quote on Pennsylvania employee benefits and get your business on the track to success!
Does your business have enough liability coverage? Can your business ever have too much?
General liability is one of the most pervasive policies on the market today – and for good reason. It provides coverage for liability issues resulting from personal and advertising injury, including medical expenses. It addresses accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In addition to the financial limits of the policy, it can be designed to cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit. Your insurance agent can create a customized policy for you to include different types and amounts of coverage.
The following coverage is often included in a general liability line:Protection of your business’ property from: Fire Theft Vandalism Claims due to: Bodily injury Property Damage Negligence You can learn more about general liability for businesses by speaking to one of our knowledgeable agents today…
Excess Liability/Umbrella Insurance
Owning a business is a difficult task. As a business owner, you worry for the future of your company in a time when many businesses are going under. In addition to making sure the company is growing, you must also plan for mistakes or accidents that could potentially devastate your business.
The best way to deal with an unsatisfied customer and a potential lawsuit is through umbrella or excess liability insurance. Umbrella or excess liability insurance will cover your business from catastrophic issues that threaten its security. An excess liability insurance policy acts as an umbrella to your basic liability insurance. This type of coverage kicks in when a claim is made against you that exceeds the amount of your existing liability coverage.
Umbrella liability insurance provides a safety net when your other business coverage has been exhausted. Give your business the coverage it needs with umbrella insurance from The Sprowls Insurance Group. Contact us right now for more information or fill out the free, no obligation form to receive a fast quote.
Commercial Property Insurance
Don’t think you need Commercial Property coverage? Consider this: if a fire erupts in the building of your business and you lose your entire inventory, will your general liability coverage be enough? If someone breaks into your business and steals expensive equipment, are you positive that your general liability coverage will cover the losses?
If you intend on opening your business to the general public, general liability coverage is just the tip of the iceberg in terms of the coverage you will need. For a more comprehensive approach to coverage, we encourage you to consider commercial property policy.
A typical Commercial Property Insurance policy includes coverage for:
- Structure (building) of your business
- Furniture Equipment Lost inventory
- Outdoor signs
- Damage to the property of others
- And more…
Commercial Property Insurance can be tailored to meet specific risk concerns, allowing you to opt for more coverage for some exposures, and less for others.
As a business, we understand your complex needs and the importance of comprehensive insurance. Contact The Sprowls Insurance Group right away for a free quote and more information on Commercial Property Insurance.
Let’s be clear: bonds are not insurance policies – they’re guarantees. It is not uncommon for business and contractors to have certain projects bonded to ensure they are completed, no matter what complications may arise.
At The Sprowls Insurance Group, we specialize in providing both large and small businesses with the following bonds: Performance – to guarantee the performance of contractually agreed upon work Bid – guarantees the beginning of work following the winning of a bid Indemnity – guarantees any losses should a party fail to meet deadlines Payment – promises payment to all sub-contractors and vendors License – a bond guaranteed to a state or federal agency Contact us to find out how our bonding services can be tailored to meet your specific needs.
Director and Officers Liability
The success of a company or organization always boils down to the talent and expertise of its directors and senior officers. Though a talented workforce is essential, without the proper guidance all that talent will be for naught. In the eyes of the public, and more importantly in the eyes of investors and shareholders, it is the directors and officers that bear the ultimate responsibility for success or failure. The Sprowls Insurance Group understands the concerns of corporate entities and their shareholders.
Consequently, our directors & officers insurance can be tailored to address a number of concerns, among them:
- Wrongful Acts Lawsuit
- Damages Legal Fees
Employment Practices Liability
Effectively protecting your company from employment practices liability requires having comprehensive EPLI policies in place before anything happens. EPLI is no longer just a concern for mega-corporations – more and more small and medium-sized businesses are being targeted by disgruntled employees.
The The Sprowls Insurance Group offers EPLI as a stand-alone policy, rather than folding it into a broader business liability package. Why? We want to ensure you have solid, uncompromised EPLI coverage in place to help protect your business from claims of:
- Breach of Contract
- Deprivation of Career Opportunity
- Failure to Employ or Promote
- Negligent Evaluation
- Sexual Harassment
- Wrongful Discipline
- Wrongful Termination