Business Insurance
At On Point Insurance Brokers, we understand that every business is unique. Whether it’s the number of employees, the products or services you provide, or the company culture you’ve worked hard to build, each business has its own needs.
As business owners ourselves, we know that in today’s world, legal challenges can arise unexpectedly. That’s why protecting your business with the right insurance is not just a good idea—it’s a necessity.
Business insurance goes beyond just legal protection. It’s about safeguarding your financial health, protecting your personal assets, and offering valuable benefits to keep your top talent. From coverage that shields your business from lawsuits to policies that support your employees, we provide a variety of solutions designed to fit your specific needs.
When it comes to creating a comprehensive insurance plan, it’s crucial to partner with a local insurance agent who truly understands your business. At On Point Insurance Brokers, we take the time to get to know your operation, ensuring that we tailor a plan that works for you—at a cost that makes sense for your bottom line.
We’re here to support you. As local business owners, we understand the challenges you face daily. Our goal is to simplify the insurance process and offer clear, practical solutions that give you peace of mind. We provide a full range of business insurance options, and we’re dedicated to helping you find the right coverage at the best rate.
Reach out today to speak with one of our knowledgeable agents. Let’s review your current policies, discuss your needs, and explore ways to improve your coverage without breaking your budget. At On Point Insurance Brokers, your business is in good hands.
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As business owners ourselves, we know that in today’s world, legal challenges can arise unexpectedly. That’s why protecting your business with the right insurance is not just a good idea—it’s a necessity.
Business insurance goes beyond just legal protection. It’s about safeguarding your financial health, protecting your personal assets, and offering valuable benefits to keep your top talent. From coverage that shields your business from lawsuits to policies that support your employees, we provide a variety of solutions designed to fit your specific needs.
When it comes to creating a comprehensive insurance plan, it’s crucial to partner with a local insurance agent who truly understands your business. At On Point Insurance Brokers, we take the time to get to know your operation, ensuring that we tailor a plan that works for you—at a cost that makes sense for your bottom line.
We’re here to support you. As local business owners, we understand the challenges you face daily. Our goal is to simplify the insurance process and offer clear, practical solutions that give you peace of mind. We provide a full range of business insurance options, and we’re dedicated to helping you find the right coverage at the best rate.
Reach out today to speak with one of our knowledgeable agents. Let’s review your current policies, discuss your needs, and explore ways to improve your coverage without breaking your budget. At On Point Insurance Brokers, your business is in good hands.
Commercial Insurance
Commercial General Liability
Commercial general liability (CGL) insurance is essential for protecting your business from claims of bodily injury, property damage, or personal injury that may occur on your premises or as a result of your operations. Whether you are a contractor, repair shop, car dealership, professional or medical office, a retail or grocery store, a manufacturer, a restaurant or any other type of business, CGL insurance helps cover legal costs, medical expenses, and settlements if your business is found liable. This coverage provides peace of mind, knowing your business is protected against unexpected incidents that could harm your reputation or financial stability. On Point Insurance Brokers can help you understand your risks and find the right commercial general liability policy to ensure your business is properly protected.
Commercial Property
Commercial property insurance is vital for protecting your business’s physical assets, including buildings, equipment, inventory, and supplies, from risks like fire, theft, vandalism, and other risks described in policy contractes. Whether you own a storefront, office, warehouse, or industrial facility, this coverage ensures that you’re financially protected in case of damage or loss to your property. It can also cover lost income if your business is temporarily unable to operate due to a covered event. Whether you run a small business or a large enterprise, On Point Insurance Brokers can help you find the right commercial property insurance policy to safeguard your business assets and keep operations running smoothly.
Commercial Auto
Commercial auto insurance is crucial for businesses that rely on vehicles for daily operations, protecting company-owned vehicles, employees, and third parties in case of accidents, theft, or damage. Whether you have a fleet of cars, trucks, or vans, this coverage ensures you’re financially protected from potential liabilities and repair costs. Commercial auto insurance typically includes coverage for property damage, bodily injury, and medical expenses, along with options like glass coverage and roadside assistance. On Point Insurance Brokers can help you assess your business’s specific needs and find the right commercial auto insurance policy to keep your operations running smoothly and your vehicles covered.
Commercial Umbrella
Commercial umbrella insurance provides an extra layer of protection for your business by extending the liability coverage limits of your existing policies, such as commercial general liability, commercial auto, or employer’s liability insurance. In the event of a large claim or lawsuit that exceeds the limits of your standard policies, a commercial umbrella policy helps cover the additional costs, safeguarding your business’s financial stability. Whether you run a small company or a large corporation, this extra coverage is crucial for protecting your assets from unexpected risks. On Point Insurance Brokers can help you assess your business’s needs and find the right commercial umbrella policy to ensure you’re fully protected from potential financial setbacks.
Workers’ Compensation
Workers’ compensation insurance is essential for protecting both your employees and your business in the event of a work-related injury or illness. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job, while also offering liability protection for your business against potential lawsuits. Whether you operate a small business or a large corporation, workers’ compensation insurance is typically required by law to ensure employees are taken care of if they are hurt while working. On Point Insurance Brokers can help you understand your obligations and find the right workers’ compensation policy to provide the necessary coverage and protect your business from financial risks.
Employment Practices Liability
Employment Practices Liability Insurance (EPLI) is crucial for protecting your business against claims made by employees related to workplace issues such as discrimination, harassment, wrongful termination, or retaliation. Whether you run a small business or a large organization, EPLI helps cover legal fees, settlements, and damages if your business faces an employment-related lawsuit. This coverage ensures that your company is protected from the potentially high costs associated with employee claims and helps maintain a fair and safe work environment. On Point Insurance Brokers can help you navigate the complexities of EPLI and find the right policy to safeguard your business and employees from costly legal disputes
Professional Liability
Professional liability insurance, also known as errors and omissions (E&O) insurance, is essential for protecting businesses and individuals who provide professional services or advice. This coverage helps protect against claims of negligence, mistakes, or failure to perform services as promised, which can lead to lawsuits from clients. Whether you’re a consultant, contractor, mechanic, veterinarian, lawyer, architect, accountant, or healthcare professional, professional liability insurance ensures you’re financially protected if your professional advice or services result in a financial loss for a client. On Point Insurance Brokers can help you find the right professional liability policy tailored to your business’s needs, ensuring you’re covered in case of a claim.
Builder’s Risk
Builders’ risk insurance is designed to protect construction projects from damage or loss during the building process. Whether you’re constructing a new building, making significant renovations, or undertaking a large-scale project, this coverage helps safeguard the structure, materials, and equipment from risks like fire, theft, vandalism, and certain weather events. Builders’ risk insurance typically covers damages to the property under construction, as well as materials on-site, and can also extend to temporary structures like scaffolding. On Point Insurance Brokers can help you understand the specific coverage needs for your project and ensure you have the right builders’ risk insurance policy to protect your investment throughout the construction process.
Cyber Liability
Cyber liability insurance is essential for protecting your business from the financial impact of data breaches, cyberattacks, and other technology-related risks. With businesses increasingly relying on digital platforms, this coverage helps cover the costs of data recovery, legal fees, notification costs, and potential regulatory fines in the event of a breach. Whether you’re a small business or a large enterprise, cyber liability insurance helps protect sensitive customer information, minimize reputational damage, and ensure business continuity following a cyber incident. On Point Insurance Brokers can help you assess your business’s cyber risks and find the right cyber liability policy to safeguard your digital assets and data.