We strive to provide businesses with protective solutions from a consultative approach. Our personalized programs will satisfy the insurance needs of your business.

Business owners know that no matter what precautions are taken and how well their business runs their organization, accidents happen and people make mistakes.  Hoffman Brown Company provides commercial insurance coverage to businesses of all sizes.  From multi-state to local start-ups, our team can help you develop a logical program designed to suit your individual needs.  Along with our commitment to identifying appropriate protective solutions for your business, we offer a truly consultative approach to your insurance coverages.  We are proud to represent many of the finest carriers in the industry, allowing us to customize the right program for you.

  • Property

    Commercial property insurance protects your business’ physical assets. The building structure, outdoor signage, furniture, equipment, inventory, fencing, landscaping, and the property of others are covered under a commercial property insurance policy. This insurance provides protection from fire, theft, water damage, vandalism, and other covered perils.

  • General Liability

    The unpredictable business world makes it imperative for each business to secure general liability protection. Without it, you leave your business exposed to financial ruin. A general liability policy will protect your business from third party claims of bodily injury, third party property damage, personal injury, and advertising injury.

  • Automobile

    Auto Liability – If your business operations depend on the use of vehicles, you will be required to obtain the minimum auto liability insurance. Whether you have a fleet of company-owned vehicles or have your employees operate their own vehicles to conduct business, this insurance policy provides liability and medical payment coverage for accidents caused by one of your employees.

    Auto Physical Damage – Accidents are inevitable.  It is important that all vehicles used to conduct business maintain sufficient coverage. Commercial physical damage coverage provides commercial vehicles with collision and comprehensive coverage.  Collision coverage provides all vehicles involved in an accident with coverage regardless of who is determined to be at fault.  Comprehensive coverage provides coverage for all incidents other than collision including fire, theft, flood, vandalism, damages caused by an animal, earthquake, etc.

  • Umbrella / Excess Liability

    The uncertainties of the business world make an umbrella insurance policy a vital form of protection for all businesses. An excess liability policy will provide you additional liability insurance when the limits of your standard policies do not suffice.  This coverage provides you with an extra safeguard against lawsuits.

  • Workers’ Compensation

    This legally required insurance policy provides your employees with guaranteed protection and your business as well.  Any employees that become ill or injured on the job will receive medical coverage and lost wages

  • Professional Lines

    Errors & Omissions / Professional Liability – This vital form of insurance will provide you with protection against claims resulting from the performance, or failure to perform, professional services. This is an especially integral insurance policy for businesses that provide clients with advice.

    Employment Practices Liability – This insurance protects your organization from claims pertaining to wrongful termination, harassment, retaliation, and discrimination by employees and/or third parties.

    Directors & Officers Liability – This insurance policy provides the Directors and Officers of your organization with protection against damaging claims of alleged wrongful acts.

  • Cyber Liability / Privacy & Data Breach

    Your standard business insurance policy will not protect your organization from the risk of data breaches and cyber damage.  A cyber liability policy will provide your organization with protection against any first or third party risks associated with the internet, networks, e-commerce, network damage, and any other cyber risk. This vital insurance protects your organization from financial damage and possibly bankruptcy.

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  • Pollution Liability

    The condition of our beautiful planet continues to suffer and environmental concerns are on the rise. This insurance policy provides you with protection against the cost to clean up environmental contamination. It also provides you with coverage against third party claims arising out of environmental contamination.

  • Earthquake & Flood

    Standard insurance policies do not provide coverage for flood and earthquake damages. An earthquake policy will provide coverage for the structure of your business and the personal property of the business as well as lost income coverage if you are forced to close for a temporary period of time.

  • Crime

    Employee Fidelity – No matter how detailed your hiring process may be, you can never really know each of your employees. This insurance policy provides you with protection against employee dishonesty, theft, forgery, embezzlement, fraud, and other covered criminal acts.

    Computer Fraud & Funds Transfer Fraud – This insurance policy provides you with protection in the event that a thief steals your business’ property through a computer. The theft may include fraudulently transferring your funds from your account

     

  • Builders’ Risk / Course of Construction

    This unique insurance policy is designed to meet the exclusive needs of construction workers providing coverage during each phase of the construction process. Your insurance policy will be personalized to meet the unique needs and requirements of each construction project.

  • Product Liability / Product Recall

    Product Liability/Product Recall insurance minimizes the risks associated with product recalls. The coverage extends to product recall issues related to the manufacture, distribution, and sale of a product.

  • Inland Marine / Ocean Marine

    This insurance provides you coverage for your business tools, equipment, computers, and inventory with protection while in transit or off the work site.

  • International Coverage

    Depending on the unique business operations of your organization, you may need international coverage. This insurance is vital for those who travel internationally to conduct business, or have any business operations conducted outside of the United States. As a complex form of insurance, we will need to customize a unique insurance policy to meet your organization’s international business needs.

  • Bonds

    This insurance guarantees the repayment of the principal and interest related to the bond.

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The information contained on this page is provided for informational and educational purposes only. The descriptions of coverages listed on this website are brief and subject to the provisions, limitations, and exclusions that can only be expressed in your policy and related endorsements. Additionally, this site contains only general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverages, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details.