Business & Commercial Insurance

 Employee Benefits

Group Health Insurance: Fully Insured, Self Funded, Level Funded, HRAs, etc. Whether you are self employed or run a thriving business of 100+ employees, you have options for your healthcare needs.

Voluntary Benefits: Accident Plans, Dental, Vision, Disability, Critical Illness, Credit Monitoring and many more. You value your employees and they are your biggest asset. Help protect them and their families by offering these additional benefits.

Business Preservation

Key Employee Insurance: Helps the business to continue performing daily activities by providing a lump sum of cash if an employee the business relies on passes.

Buy-Sell Agreements: Agreements that help transition ownership of a business if a partner or partial owner were to pass.

Property and Casualty

Commercial Auto: As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

General Liability: Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

Errors and Omissions: Real Estate professionals, Insurance Brokers and Financial Planners all need coverage to protect against suits of negligence or inadequate work. Plans are tailored based on industry, gross receipts and experience.

Workers Compensation: Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Let's start with a discussion. Call Jonathan Eleser today at 337-326-0229.

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