Comprehensive Insurance Solutions for Your Business

At Shearer Insurance Agency, we provide a full suite of commercial insurance plans tailored to meet the specific needs of your business. Our team understands the importance of protecting your business assets, managing risks, and ensuring your operations continue smoothly.

Commercial Lines Insurance

Commercial insurance protects businesses against liabilities, property damage, and various industry-specific risks. Types of coverage include:

  • General Liability: Covers businesses against claims of bodily injury, property damage, and personal injury on their premises or due to their operations.
  • Commercial Property: Insures the physical property of a business, such as buildings and equipment, against risks like fire, theft, and hail.
  • Business Owner's Policy (BOP): Combines general liability and property insurance into one package, often ideal for small to medium-sized businesses.
  • Commercial Auto: Covers company-owned vehicles for accidents, damage, and liability.
  • Workers’ Compensation: Provides medical and wage benefits to employees injured on the job, a mandatory insurance for most businesses.
  • USL&H (United States Longshore and Harbor Workers’ Compensation Act): Specialized coverage for maritime employees.
  • Commercial Umbrella: Extends liability coverage beyond the standard limits of primary policies like general liability or commercial auto.
  • Employment Practices Liability: Covers businesses against claims made by employees for issues like wrongful termination, discrimination, or harassment.
  • Liquor Liability: Required for businesses that manufacture, distribute, or sell alcohol, covering liability for alcohol-related incidents.
  • Product Recall Insurance: Provides coverage for expenses related to recalling a defective product.
  • Builder's Risk: Designed for buildings under construction, covering damage to the structure, materials, and tools.
  • Bonds: Financial guarantees for contracts, licenses, or other obligations.
  • Environmental Liability: Covers businesses against liabilities due to pollution or environmental damage.
  • Cyber Liability: Provides protection against risks associated with data breaches, cyberattacks, and loss of digital data.
  • Professional Liability: Also known as Errors and Omissions Insurance, this covers claims of negligence or mistakes made in the professional services offered.
  • Crime Insurance: Covers financial losses due to criminal acts such as theft, fraud, or forgery.
  • Inland Marine Insurance: Protects property in transit over land, covering unique assets like fine art or contractor’s equipment.
  • Ocean Marine Insurance: Covers ships, cargo, and liability for businesses involved in maritime operations.
  • Commercial Flood Insurnace: Commercial Flood Insurance: Covers structure and business personal property in the event of a flood.
  • Special Events Insurance: Protects against liabilities associated with hosting special events.

Specialized Coverages

Our offerings extend to specialized insurance needs, including builder risk, product recall, and inland marine. We understand that unique circumstances require tailored solutions, and our team is here to guide you through every step, ensuring comprehensive protection for your specific requirements.

Complete Coverage for Your Business Needs

Shearer Insurance Agency offers a wide range of insurance solutions designed to protect your business from all angles. Whether you need Business Owners Insurance, General Liability Insurance, Commercial Property Insurance, or Business Auto Insurance, we have the right coverage for you. Additionally, we provide Bonds and other specialized options to ensure your business is safeguarded against unforeseen challenges. Trust us to deliver the protection your business requires.

Tailored Plans to Protect Your Business

We work closely with you to assess your needs and recommend the best insurance solutions to safeguard your business. Reach out to us today, and together, we’ll create a plan that ensures your business is protected and ready to grow.

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