Standard “off the shelf” insurance products may check the boxes for legal requirements, but don’t necessarily provide the protection that your business needs. AtJorgensen Insurance Agency, we take the time to learn about your business and operations, then build a combination of coverages designed to work together to minimize financial risks and cover gaps across all areas. 

Types of Phoenix business and commercial insurance

General business liability insurances. Also known as “commercial liability insurance,” business liability insurance covers a wide range of professional exposures to risk:

• Errors and Omissions Insurance: Essential for licensed professionals, E&O offers liability coverage in the event that a client suffers a loss or damage as a result of negligence or omission under your professional guidance.   

• Directors and Officers Insurance: D&O offers coverage for liability resulting from negligent acts, omissions, or misleading statements by corporate execs.

• Employment Practices Liability Insurance: Costs associated with resolving alleged violations of legal rights by employees such as wrongful termination, discrimination, and sexual harassment are covered under EPLI insurance. 

Commercial Property Insurances: Protect against losses to the “where” and “what” that keep your business operation in motion. 

• Physical buildings and structures: Protects owned business structures against damage due to fires, vandalism, theft, and certain whether-related losses. 

• Business Personal Property Coverage: Coverage for the things inside of the buildings, used by your business, or under the care of your business such as machinery, equipment, furniture, inventory, and employee’s personal property. 

• Business Interruption Coverage: In the event of a covered loss that shuts the doors, bills, loans, and employees still need to be paid. Business income insurance offers coverage for fixed expenses and other expenses related to the interruption until your business can reopen. 

• Electronic Data Processing (EDP) Insurance: Offers additional coverage specifically for computer equipment with higher limits than what is typically available in a standard business property policy.

Business Auto Insurance: Provides coverage for cars, trucks, and other types of motorized vehicles for the many loss and liability exposures associated with the operation of vehicles for business purposes.

Business Umbrella Policy: Excess liability coverage above and beyond all of your existing policies to protect your business against potentially catastrophic losses.

Workers Compensation Insurance: An entire suite of services designed to mitigate risk and manage claims and payouts while offering protection against lawsuits by employees in certain covered scenarios. 

Bonds: Jorgensen Insurance Agency offers a wide variety of bond products from various insurers to meet your specific business and project needs. 

Jorgensen Insurance Agency, Your Phoenix Business and Commercial Insurance Partner

Being armed against liability and loss exposures is one part of the equation and the handling of claims is where your choices are put to the test. At Jorgensen Insurance Agency, we aren’t just sales agents, we serve as your advocate as you navigate the claims process with your insurance company. Contact us at 509-563-4413 or through our contact form. We look forward to hearing from you!

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