Columbian Insurance Agency

Commercial Insurance

We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business. In addition, we offer group health and retirement plans.





Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers' Compensation provides for the payment of four types of benefits:

A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

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Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

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Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

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Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

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Do you have special equipment that you use in your business?  Does this equipment leave your business location?  If so, then you may need Inland Marine coverage.  Designed to provide coverage on equipment and tools on a scheduled (listed) or unscheduled basis.  This coverage is for physical damage to tangible property that is often mobile or not dedicated to an owned site such:  Cargo, Mobile Equipment, Leased/Borrowed/Rented Equipment, Small Tools, Construction Materials, Electronic Data Processing Equipment.

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Coverage for bodily injury, property damage, clean-up costs and environmental damage arising out of the escape of pollutants at owned premises, in transit, at job sites or non-owned disposal sites.

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This subject covers a broad range of policy types written on a standalone basis or packaged together on a single policy.  Examples of some types of Management Liability policies are:

 Crime Coverage

Employee Dishonesty covers employee theft of policyholder property or property of the policyholders clients

Forgery & Alteration covers loss arising out of outgoing instruments such as checks, bills or other documents that are drawn against the policyholders accounts.

Theft, Disappearance & Destruction of money and securities either on or off premises.

Robbery & Safe Burglary covers loss of property other than money or securities that are burglarized from a safe on the insured’s premises or from a messenger off premises.

Computer Fraud covers the use of any computer to transfer money, securities or other property from inside the premises to a person or place outside the premises.

Funds Transfer Fraud covers damages sustained due to fraudulent electronically transmitted instructions from a non-employee or third party to a financial institution.

 Employment Practices Liability

Covers the policyholder and certain employees from allegations of discrimination, harassment and other liabilities arising out of the hiring, termination, promoting, demoting or otherwise managing employees.

 Fiduciary Liability

Protects administrators of pension and welfare funds, profit sharing and other benefit programs against losses suffered by errors & omissions by the administrator.

 Directors & Officers Liability

Protects officers and directors of a corporation against damages from claims resulting from negligent or wrongful acts in the course of their duties.  Also covers the corporation for expenses incurred in defending lawsuits arising from alleged wrongful acts of officers or directors.

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Contact us today for more information about Commercial Insurance or fill out our online quote form.

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Borrowing our name from the 1893 Columbian Exposition that celebrated innovation in America, we’ve built our firm by developing innovative insurance and risk management solutions for our clients. Finding effective solutions requires knowledge, commitment and perseverance. It all starts by doing things the right way—from the beginning.

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