Quantum Insurance Group

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage. Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade.

General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.

Risk Management is identifying sources of potential claims and to generate plans and programs to mitigate them from happening and controlling costs when they do. Often this process includes helping to improve the culture or attitude towards safety with your employees. Our agency staff with the help of insurance company "loss control" departments and a third party partnered firm, can assist in devising plans to fit your company.

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you. What is Homeowners insurance? Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

What is auto insurance? Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Liability coverage pays for your legal responsibility to others for bodily injury or property damage.