Business Insurance

Protect your employees and yourself with one of our business insurance plans.

Get a quote today

commercial icon

Commercial Property

This commercial coverage for business owners is designed to cover the following: property damage to your owned or leased building; your business personal property; your improvements and betterments; property of others in your care; loss of business income; portable equipment and more.
general liability icon

General Liability

Our General Liability insurance covers the following: premises and operations liability; contractual liability; products and completed operations liability; personal injury liability; fire damage liability and medical payments coverage. Premiums are normally based on your sales revenue and/or payroll.
angle up icon
professional liability icon

Professional Liability

This commercial coverage is designed to cover the unusual liability exposures arising from certain professions. Those professionals who may need this special coverage include: physicians, dentists, pharmacists, attorneys, accountants, social workers, nurses, funeral home directors, architects and engineers, ministers, barbers and beauticians, computer programmers and software designers, insurance agents, opticians, veterinarians, and more.
business auto icon

Business Automobile

This policy is designed for automobiles owned by and used by businesses (sole proprietors, partnerships, corporations, etc.). This coverage protects the business entity and employees for bodily injury and property damage liability for which they may be legally liable. Other coverages which can be provided include medical payments, uninsured motorists, collision, towing, rental reimbursement, etc. Coverage can also be provided for non-owned autos used for business purposes, as well as hired autos rented for short periods of time. No coverage is provided for any cargo which you are hauling. Premiums are based on the type of vehicle, usage, value, limits of coverage, and the driving record of all regular operators.
angle up icon
workers compensation icon

Workers Compensation

This coverage is statutory (required by law) and varies by state. Coverage is compulsory in most states. Tennessee requires that any employer of 5 or more employees provide this coverage (3 or more in Virginia). Failure to do so places a tremendous liability on your business and can result in fines of $5,000 per month for Tennessee employers (criminal charges may also apply in some states). Should you fall within the workers compensation laws, you are responsible for any employee injury. The Workers Compensation Policy pays: (1) all reasonable medical expenses your employee incurs following an injury; (2) two thirds of the loss of wages (TN and VA) after a brief waiting period (seven days in TN and VA) until the employee is able to return to work, or is ruled permanently disabled; and (3) a lump sum settlement for any disability resulting from the accident. While these are benefits to the employee, workers compensation laws also protect the employer by preventing lawsuits against the employer for negligence. Employers of fewer than 5 can voluntarily elect to have workers compensation laws apply. Premiums are determined by applying a rate (determined by the type of work performed) to the annual payroll of your employees, and is adjusted according to your previous claim experience.
business umbrella icon

Business Umbrella

This policy provides additional liability coverage to your business, above that already provided by other policies (general liability, automobile liability, employers liability, etc.) Coverage is available in increments of $1 million, and the premium rate decreases as coverage limits increase. This is an important coverage, which every business should consider. The greater your company’s assets, the higher you Business Umbrella limits should be.
angle up icon
bonds icon

Surety Bonds

This is a financial guaranty provided by an insurance agency partners. There are many types of bonds available. The most typical are: fidelity bonds (employee dishonesty); financial institution bonds; public official bonds; public employee bonds; judicial (court) bonds; probate bonds; license and permit bonds (notary bond); contract bonds (bid bond, performance and payment bond, maintenance bond, supply bond, subcontractor bond, completion bond) and miscellaneous bonds. Your acceptability for bonding is determined by many factors, but general the Three C’s apply: character, credit and collateral. Obtaining a bond is much like obtaining a loan. Heritage Insurance Group, Inc. maintains a relationship with several of the largest bonding companies (Ohio Casualty, St. Paul, CNA, Old Republic, The Hartford, etc.) and has bond specialists available to counsel and assist you.

Get a quote today