Whatever your insurance needs, we will work with you to find a solution that’s a perfect match.
COMMERCIAL AUTO INSURANCE
Our main objective is reducing the cost of their fleet insurance whether it is one vehicle or hundreds of vehicles. Business auto insurance can cover a combination of vehicle types (trucks, tractors and cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury and property damage liability while operating a company automobile, as well as medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car. Injuries or damage to someone else are also covered.
State law requires every employer to provide worker’s compensation insurance for its employees. Benefits are paid to employees who are injured by work related injuries. A percentage of expenses are paid for lost wages, medical expenses and permanent disability or disfigurement. Employer’s Liability protects your business in the event you are held liable for injuries suffered by an employee and the employee bypasses the benefits provided under our state worker’s compensation law and brings suit against your firm under common law.
BUSINESS LIFE INSURANCE
Help successors manage what you built after you are gone. As a means of helping to ensure the continued function of a company in the event that a key person within the organization dies, business life insurance provides coverage that can help make a difficult situation easier to manage. The purpose of business life insurance can assist the company with the wide range of factors that arise when an owner or a key executive is no longer around to handle his or her usual responsibilities.
COMMERCIAL PROPERTY INSURANCE
One of the most common types of business insurance is commercial property insurance that provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or man-made disasters are examples of what is typically covered. A basic commercial property insurance policy may be all you need, but the types of coverage can vary between different insurance companies. For a full list of coverage available, or to learn more about this product, contact us today.
Boat insurance is essential to protect the owner from financial losses because of storms, fire, sinking of the boat or collision. Boat insurance covers many kinds of boats, so even if you’re looking for specific coverage—like personal watercraft insurance, jet boat insurance, sailboat insurance, fishing boat insurance or house boat insurance—a boat insurance policy is what you need. By packaging your boat or yacht policy with your auto, home, and umbrella insurance policies through Christopher Williams Agency you’ll be able to take advantage of our already competitive rates!
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings.
FIDELITY AND CRIME INSURANCE
Fidelity and crime insurance protects your company's money and securities from theft, disappearance and destruction in the event that they are lost or damaged due to any peril, except those specially excluded by the policy. This is the broadest form of crime insurance available for money, securities and includes losses on or off your premises. Employee dishonesty protects your business in the event of fraudulent or dishonesty acts committed by an employee which results in the loss of money, securities or property.
When reviewing insurance policies, one of the most common mistakes we see is the lack of adequate liability coverage. An Umbrella policy, also called an excess liability policy, supplements the liability coverage that your primary auto, home, and other eligible policies provide by adding an extra layer of protection. If your primary insurance policy liability limits are used up, an Umbrella policy will provide excess liability coverage up to the limit of insurance you choose. The liability coverage provided by the Umbrella policy covers your listed auto(s), home(s), boat(s), and other eligible exposures.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best coverage for classic cars, cycles, RVs, jet skis, and teen drivers. We can help you not only get a quote, but better understand what is covered and why.