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Insurances

Commercial Lines

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Business/ Commercial Risk

Business insurance is designed to protect business owners and assets from a variety of exposures. We will evaluate your specific business insurance needs, then fashion risk mitigation strategies to reduce your total cost of risk. We can help you implement risk management strategies and place insurance coverages to protect your hard work and ensure your business continues to have an opportunity to succeed and grow. We take the time to find out the different challenges your industry may have relative to insurance concerns and tailor a package that fits your risks. We look at all potential exposures your business may have, according to your personnel, location, and future plans. At MHG Insurance + Risk Mitigation, we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

Common Commercial Lines We Offer

The terms “business insurance” or “commercial lines” cover a wide range of policies available for purchase by businesses. We offer products to cover all risks.

Business Owners’ Policy (BOP)

A Business Owners’ Policy combines several different coverages into one policy to protect the small to medium-size business and its assets.

Builders Risk

Builder’s Risk insurance will protect property while it is being built; protecting property assets and mitigating risks related to fire, theft, vandalism, and more

Surety Bonds

Different surety needs are met by different classes of surety bonds- there are contract bonds, subdivision bonds, commercial surety bonds, license & permit bonds, court bonds, and more.

Commercial Auto

Commercial Auto insurance helps cover the costs of auto accidents that occur while using company-owned vehicles for business. This coverage protects against property damage and medical expenses- similar to a personal auto policy

Commercial Property

Commercial Property insurance covers the buildings that the business owns or rents- protecting the business’ ability to operate in a stable financial way.

Commercial Excess / Umbrella

Commercial Excess/Umbrella insurance is intended to pick up where General Liability, Commercial Auto, or Employer’s Liability policies might leave off.

Cyber – Liability and Data Breach

Cyber Liability insurance protects the business against paying out of pocket for costs related to data breaches and/or other cyber-attacks.

Directors and Officers

Directors and Officers liability insurance cover directors and officers for claims made against them while serving on a board of directors and/or as an officer of the business- protecting senior leadership.

Employment Practices Liability Insurance

Employment Practices Liability Insurance protects businesses from lawsuits brought by the employees- providing coverage for many situations that general liability insurance does not.

Errors and Omissions

Errors and Omissions insurance protects businesses that offer professional advice or services- where a mistake can be a costly liability.

Professional Liability

Professional Liability insurance protects businesses when mistakes are made in the professional services that are provided to customers or clients.

General Liability

General Liability insurance protects the business from claims that it caused bodily injury, property damage, reputational harm, or financial loss to others- as a result of the business’ premises, products, actions/inactions, or other occurrences.

Inland Marine

Commercial Inland Marine insurance protects a business’ property which is movable or transportable – protecting the business’ tools, equipment, merchandise, and any other items the business may transport

Workers Compensation

Workers’ Compensation insurance covers employees’ medical, wage and other financial benefits if they are injured or become ill while on the job. This coverage is required in most states.

Product Liability

Business Product Liability insurance protects the product manufacturer, seller, or distributor from legal liability associated with a product defect that causes personal injury or damage associated with its use.

Medical Malpractice Insurance

One malpractice claim can jeopardize your career and finances. MHG provides tailored coverage and expert guidance to protect medical professionals, reduce risk, and give you peace of mind.