INSURANCE FOR Business Owners
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Business Owners Policy Coverage Guide

Insurance for business owners is something that we do differently than other insurance companies.  At Zuma, we specialize in customizing insurance packages to meet business owners unique needs. Our insurance agents work with all types of businesses, answer their insurance questions and customize the right insurance solutions at the most competitive prices.

Our Business Owners Insurance Products

General Liability Insurance

General liability insurance helps protect businesses from a wide range expected and unexpected risks. From injury claims to property damage, general liability is must-have for any business.

While general liability protects against a wide range of risks, it doesn’t cover all the bases. Many business owners decide they need more coverage in the wake of a disaster. At Zuma, our insurance agents walk business owners through the different types of insurance adds-ons to make sure they’re protected against claims, employee injuries, errors at work, commercial auto liabilities and more.

A Business Owner’s Policy (BOP) combines business property and business liability insurance into one convenient policy. BOP insurance policies help cover businesses from claims resulting from things like fire, theft or other covered disasters, including claims involving bodily injury, property damage, personal injury and advertising injury as a result of business operations.

BOP Insurance Policies

At Zuma, our agents specialize in finding the right property insurance solutions for businesses of all types. Even though there are a lot of business property insurance products, some are better than others. Some policies only cover damages inside of a business, others only outside, and some cover both areas.

We walk our business customers through the different types of property insurance and help them identify the potential risks to their businesses. From equipment to inventory to computers to everything in between, we make sure our customers are fully covered.

Surety Bonds

A surety bond insurance companies issue is legal contract that ensures obligations will be upheld between a principal (the person or company who needs the bond), an obligee (the person or company that requires the bond), and a surety (the insurance company guarantees that the person or company who needs the bond will live up to his or her obligations).  At Zuma, we guide business owners through the different types of surety bonds and help them throughout the application process.

Loss of Income

Businesses are often at a loss when things go wrong. Business interruption insurance covers the financial losses that an organization suffers after a disaster. This type of insurance is often paired with business property insurance and covers the profits that would have been earned during a certain period. While coverage varies from plan-to-plan, some policies can cover both operating and temporary location costs.

At Zuma, we understand that no two organizations are alike. We help business owners identify their everyday risks and use the insights we gather to customize insurance solutions that empower businesses even in the aftermath of a disaster-related closing.

Commercial Auto

Contractors face potential hazards every day. At Zuma, we specialize in designing insurance solutions for construction industry professionals to protect their commercial vehicles as well as their businesses against claims, job-related injuries, property damage and more.

Worker's Compensation

There is no one-size-fits-policy approach to insurance, and the same holds true to workers compensation insurance. While accidents at work may not happen every day, having the right insurance plan in place gives business owners peace of mind. With workers comp insurance business owners can protect their companies and provide benefits to their employees if they are injured or become ill on the job.