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Business Insurance

Business Insurance with Mt. Carmel Insurance Agency

It doesn’t matter if you need workers compensation or commercial auto insurance; we have your business needs covered. At Mt. Carmel Insurance Agency, we work with a variety of providers to ensure you receive the best coverage at the lowest prices. Contact our business insurance specialists to find the packages that fit your needs. Together, we can safeguard your assets, employees and company from financial harm.

Workers Compensation

Workers compensation is one of the main types of business insurance. It provides wage and medical benefits to those that get hurt or ill at work. It can be used to cover lost wages, rehabilitation costs and medical expenses. In unfortunate events, workers comp pays out death benefits to the family of an employee that is killed on the job. Some states have laws regarding workers compensation coverage, so you must speak to a professional regarding your needs. Mt. Carmel Insurance Agency fights for the most competitive, cost-saving workers comp insurance rates in Colorado.

Business Liability Insurance

The business liability insurance offers protection to any business during a third-party claim or formal lawsuit. There are three types of business liability insurance: general, professional and product liability insurance. Coverage includes any liability that is incurred plus the expenses needed for legal defense. This business insurance ensures you can keep operating, despite the occurrence of a claim or lawsuit. Mt. Carmel Insurance Agency fights for the most competitive, cost-saving business liability insurance rates in Colorado.

Business Property Insurance

Business property insurance (commercial property insurance) protects you and your business from covered losses. These covered losses include personal property, tools, equipment, inventory, furniture, computers, or important documents that were lost as a result of theft, fire damage, injuries, or income loss. Mt. Carmel Insurance Agency fights for the most competitive, cost-saving business property insurance rates in Colorado.

Commercial Auto Insurance

Commercial auto insurance is something that isn’t often thought about when it comes to business insurance. It covers the physical and liability of company vehicles, whether they are cars, trucks or vans. With a commercial vehicle, it’s necessary to operate a separate policy because there is additional risk versus a personal car. This isn’t just for industrial equipment like dump trucks and semis. Any organization that has a vehicle, even just to run errands needs this coverage. Mt. Carmel Insurance Agency fights for the most competitive, cost-saving commercial auto insurance rates in Colorado.

Commercial Umbrella Insurance

Commercial umbrella insurance protects you from additional liability, not covered by your other business insurance. Your assets are at risk when you become the target of a lawsuit. If this claim exceeds the value of your insurance coverage, the umbrella coverage kicks in to take care of the additional liability. It’s an added layer to safeguard your organization. It can be used to cover medical bills, legal expenses and damages. If a customer slips on a wet floor in your building or an advertising error causes damages to your business, you have the coverage you require. Mt. Carmel Insurance Agency fights for the most competitive, cost-saving commercial umbrella insurance rates in Colorado.

Business Owners Package

The business owner’s package or BOP – business owners policy, combines protection for all of your property and liability coverage into one bundle. Because the coverage is combined, it’s often easier to get a lower rate. It’s the ideal way for small to medium-sized businesses to protect the organization. Mt. Carmel Insurance Agency offers the most inclusive, low-cost business owners insurance policies in Colorado.