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simple. smart. business
insurance

Peace of Mind

Peace of Mind

CSIA has been protecting your business for over 45 years

Simple. Smart. Insurance

Simple. Smart. Insurance

Customers told us the things they disliked about Insurance and we listened

Tailored Cover

Tailored Cover

Our goal is to provide you with the best coverage at the most competitive price

Protect your Business

Safeguard your business with a simple. smart. business policy.

Types of
coverage

Information that helps you plan, prepare and protect.

Business Owner’s Policy (BOP)

A business owner's policy offers several insurance products rolled into one, generally targeted to small and mid-size businesses. Business owners insurance typically includes property, business interruption, and liability insurance. Not all businesses qualify for business owner’s policies. Eligibility requirements differ among providers. Insurance providers may have requirements regarding business location, the size of the location, revenue, and class of business. A BOP typically does not cover professional liability, worker’s compensation, health, or disability insurance. These items would require separate policies.

Commercial property insurance

Commercial property insurance helps protect the business property you own, lease or rent, including assets like your buildings, equipment, furniture, fixtures and inventory.

General Liability insurance

General Liability insurance protects your business from covered claims and lawsuits that stem from your everyday business operations.

Business Income

Business Income and Extra Expense provides coverage when your business shuts down temporarily due to a fire or other covered loss. It helps replace your income and covered expenses like rent, payroll and other financial responsibilities while your property is being repaired or replaced.

Crime Insurance

Crime Insurance helps protect your business from fraud, theft and forgery.

Additional Coverage Options

  • Accounts receivable protects against losses from unpaid invoices.
  • Cyber liability covers attacks and damages to computer systems or electronic data.
  • Equipment breakdown covers your equipment, including computers.
  • Hired And Non-Owned Auto protects you if you have employees who sometimes drive their own car, or even one they have rented for business.
  • Personal and advertising injury covers copyright infringement, libel and slander.
  • Rented vehicles provides liability coverage for vehicles you lease, hire or borrow.
  • Employment Practices Liability covers liability of wrongful acts arising from the employment process.

Business Address

What happens if...

Simple. Smart. Insurance protecting what matters

No matter what kind of business you run, you may be at risk of burglary or theft from an customer, criminal or even a disgruntled employee. Out of all business insurance claims examples, burglary is the most common. Roughly 20% of commercial insurance claims are related to theft.

Small business owners tend to under estimate the likelihood of a fire. They also do not recognize how much time and money it takes to get their business cleaned up, and running again after a fire loss. Fires are capable of causing a substantial amount of property damage in a short period of time, potentially devastating a small business that doesn’t have insurance coverage.

If a customer slips and falls while on your business property, you may be vulnerable to a lawsuit. If members of the public frequently visit your business, you may want to consider getting coverage. This will allow you to submit a claim in the event that someone gets hurt on your property.

Weather related damage can result from wind, hail, snow or ice to cold weather freezing your pipes which, create problems for a business. If there’s a weather related natural disaster, it can shut down a business for an extended period of time. More importantly, some data suggests that over 25% of businesses that close because of a natural disaster never re-open, in part, because they do not have insurance to help cover the loss.

A realtor asks their administrative assistant to put up advertising signs for an open house. While doing so, the assistant gets in an accident in which the other driver is injured. The realtor’s non-owned car insurance policy would cover the damage to the other driver’s vehicle as well as costs related to their injuries.

You can let your CSIA agent know, but to get the claims process rolling fast, you can report a claim online period.

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