- Auto InsuranceAnother area of coverage that you should also pay close attention to is having an umbrella policy excess over your auto insurance policy. Consider what a serious auto accident would do to your company’s finances? If it has been some time since you have reviewed your auto liability limits, then you should review them immediately so you aren’t faced with inadequate limits after being sued for a serious at-fault accident. In addition, if your company has employees who regularly use their cars in the course of business for your company, they also put your company at risk should they cause an accident which could lead to a serious judgment against your business. Having an Umbrella policy that is excess over your Auto Liability Insurance could mean the difference between staying in business or having to close your doors.
- Inland Marine InsuranceSome additional coverages, depending on what type of start-up you are that you may want to explore include the following: Inland Marine Insurance, Property Insurance, Employment Practices Liability Insurance, Environmental Liability Insurance, Cyber Liability Insurance, Workers’ Compensation/Employers Liability Insurance, Commercial Automobile Insurance, Umbrella/Excess Liability Insurance, or one of the many other coverages that may be necessary for your start-up.
- Long Term CarePJO Insurance Brokerage has programs available for Long Term Care Insurance that include Arizona Professional Liability Insurance on a claims made basis, and General Liability Insurance in Phoenix on an occurrence or claims made basis, coverage for physical/sexual abuse, defense costs outside or inside the policy limits, punitive damages coverage where allowable by law, evacuation expense reimbursement coverage, first dollar coverage available (no deductible or SIR), higher deductible/SIR options available, coverage provided for AZ medical directors, resident property coverage, employee benefits liability coverage, coverage for barbers and beauticians, coverage for violation of residents’ rights, umbrella or excess liability up to more than $25,000,000 available.
- Business InsurancePJO Insurance Brokerage is a local Phoenix business insurance company that provides top-rated business insurance for companies throughout the Valley.
- Commercial Property InsuranceIf your company was diligent and acquired an Arizona Commercial Property Insurance Policy, it can protect your property that the business owns such as equipment, inventory, furniture, fixtures, and improvements you have made to your space. In addition, these types of policies may also include coverage for accounts receivable and/or media and your computers. Some policies will also include coverage for lost income due to your company’s operations being suspended and unable to operate due to a covered loss and may also cover the operating and payroll expenses necessary to keep you and your company in business after a covered loss. That’s why Arizona Business Property Insurance Coverage is one of the most important investments ensuring the future of your business along with your commercial general liability policy.
- Workers Compensation InsuranceWhether your Arizona company is engaged in the Construction Industry, the Retail or Wholesale Sector, the Professional or Consulting Field, or one of many different businesses that make up the Arizona economy, one thing that is an absolute is that if your company has employees, then having Arizona Workers Compensation Insurance is not only a must, it is the law in Arizona.
- Commercial Liability InsuranceIn these types of cases, you need to ask yourself, could your company survive this type of payout? Having an EPLI Policy can pay for the costs of defending a lawsuit in court and for judgments and settlements. The policy covers legal costs, whether your company wins or loses the suit. Policies also typically do not pay for punitive damages, unless allowable by law in your state, or civil or criminal fines. Liabilities covered by other Phoenix business liability insurance policies, such as AZ workers’ compensation, are excluded from EPLI policies.
- Professional Liability InsuranceWhen discussing this type of coverage and explaining that having Employment Practices Liability Insurance coverage can protect their company’s interests, clients and prospects many times seem to have a difficult time in seeing its value.Employment Practices Liability Insurance, or EPLI around California for short is professional liability insurance that covers certain employment related claims made by employees. Too often company owners see this type of coverage as an unwanted expense and not particularly important to protecting their a ssets and company. Nothing could be further from the truth considering the vast amount of moneys that is paid out each from EPLI claims.
- Builders Risk InsuranceDo you have adequate coverage through Builders Risk Insurance or Installation Floaters to protect your work-in-progress, as well as materials on a job site, in the event they are damaged by forces out of your control?
- Liability InsuranceNo matter what type of business you have, it is imperative that you acquire Scottsdale General Liability Insurance for your particular business. By acquiring this insurance, it will be your first line of defense in protecting your business. We, at PJO Insurance Brokerage, have access to an array of markets and the expertise to find the right coverage and limits for you whether you are a contractor, small business owner, or a home-based business. In addition, we offer you other policies to protect other aspects of your business that general liability insurance may not cover.