Blasingame Insurance
200 N. Argonne Road
Spokane, WA 99212
509-891-1000 Office
877-659-9948 Toll Free
509-891-1430 Fax
Monday - Friday
8:00AM to 4:30PM
 Auto | | Home | | Renters | | Motorcycle | | Recreational Vehicles | | Boats | | Business | | Bonds | | Flood & Earthquake | | Health | | Life | | Dental | | Vision | | Group Employee Benefits |
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Types of Business Insurance
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PROPERTY COVERAGE
There are many property coverages that are tailored to protect your business' tangible assets.
Ordinance or Law
Buildings
Business Personal Property
Equipment Breakdown
Business Interruption
COMMERCIAL GENERAL LIABILITY
This coverage protects your business from claims arising from alleged bodily injury, personal injury or property damage liability. It includes protection for services you render or products you sell. Coverage payments can include judgments, attorney fees, court costs, or other related expenses.
COMMERCIAL AUTO
This policy can provide a combination of liability protection and physical damage coverage for loss due to damage to vehicles owned, maintained, or used by you. Additional coverages such as medical payments and uninsured motorist protection can be purchased to "customize" the policy to fit your business.
UMBRELLA / EXCESS COVERAGE
This policy provides protection against catastrophic liability claims. The policy acts as an excess coverage over your primary liability policies. Its limits apply in addition to that provided by the underlying coverage.
DIRECTORS AND OFFICERS (D&O)
The Intent of D&O Insurance
To fill the gaps in the Commercial General Liability policy to claims not related to bodily injury or property damage
Designed for a variety of claims alleging harm attributable to the governance or management of the organization.
To provide coverage for legal costs and monetary or non-monetary damages.
Personal Liability of Board Members
Indemnification (as required by Financial resources
Loss control
Likelihood of a claim
Cost of coverage
INLAND MARINE
Inland Marine Insurance provides coverage for goods in domestic transit, goods of bailees' customers, moveable equipment, and unusual property. Property of certain dealers and instrumentalities of communication and transportation are also covered. In short, inland marine insurance provides coverage for loss exposures that cannot be conveniently or reasonably confined to a fixed location.
PROFESSIONAL LIABILITY
This coverage protects your business from claims arising from the daily professional exposures of your business. Coverage payments can include failure to render services, treatment you provide to patients, and improper legal services.
WORKERS COMPENSATION
State law requires that every employer provide Workers Compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses, and permanent disfigurement/disability payments.
Workers' Compensation coverage is designed to meet the workers' compensation laws of your state. Workers' compensation coverage provides protection for injured workers and supporting protection through employer's liability coverage.
EMPLOYEE BENEFITS LIABILITY
Provides coverage for the investigation, defenses and settlement of claims arising out of damages claimed by an employee, former employee, or their legal representatives arising out of alleged negligence, error, or omission in administration of your employee benefits program.
EMPLOYMENT PRACTICES LIABILITY(EPL)
One of the largest concerns for today's employers is Employment Practices Liability. One out of every five cases in our court system today are employment-related suits.
Plaintiffs win 60% of the cases while employers only win 40%; Juries believe that most actions are arbitrary.
The following are some average compensatory damages from the Jury Verdict Research Institute:
Wrongful termination (not based on discrimination) $532,106
Sexual Harassment $120,702
Disability Discrimination $158,490
Sexual Discrimination $501,622
Racial Discrimination $198,042
You may not be aware that your General Liability coverage DOES NOT cover you for this exposure. In today's business environment, it is important to address this issue.
CRIME COVERAGE
Employee Dishonesty
Theft, Disappearance or Destruction
Forgery or Alteration
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Renewal Reviews
Contact us now for a Personal or Business Insurance Review |
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Life has a way of changing very quickly. It is important to annually review your insurance program and potential problem areas.
Our insurance reviews are designed to help you understand potential risks, and to help you make decisions which are right for you.
Although it is impossible to cover every potential risk, these reviews will help you make intelligent decisions on key areas affecting your family and business.
Our professional staff will tailor your insurance program based on your answers, and are always available to answer questions and make recommendations.
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Business
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Types of Business Insurance
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Business Insurance Specialists
We specialize in designing insurance programs for you!
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Companies We Represent
Blasingame Insurance Represents Top-Rated Carriers
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Business Insurance
Designing a Business Insurance Program
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