Business Insurance
Because Things
There is one thing that can always be expected, and that is the unexpected. Allow us to insure you the comfort of knowing that when you call us, we will be there to help you with those bumps in the road.
From small town businesses to large multi-state operations, Lewis Insurance offers a wide variety of insurance products to cover all types of businesses.
We understand your company is unique and we work hard to be the single stop for your insurance needs. We offer broad coverages and also have flexible options so you can get the coverages you want, including property, liability, crime and inland marine. As your independent agent will work with you to tailor a custom policy and make sure you have the right coverage.
CONTRACTOR
As a contractor, you know how important it is for your customer to be satisfied. When it comes to buying insurance, you can expect the same high level of quality and service from us that your customers have come to expect from you. At Lewis Insurance, we’ve developed a specialized set of coverages to make sure every aspect of your contracting business is well protected.
As your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your business
Common Coverages
General Liability
Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.
Commercial Property
Provides protection for your buildings, business personal property and property of others.
Commercial Auto
Covers vehicles you own and use for your business.
Workers Compensation
Covers work-related injuries to your employees.
Inland Marine
Offers a variety of coverages that protect your property while away from your primary location. Available coverages include Contractors Tools and Equipment, Employees Tools, Laptops, and Building Materials and Equipment. Coverage for rented equipment is also available.
Builders Risk coverage is available to cover your interest in buildings under construction.
Additional Coverages
Cyber Liability
In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.
Employment Practices Liability (EPL)
Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.
Employee Dishonesty
Covers your business for employee theft of money, securities and other tangible property.
Commercial Umbrella
Covers large liability losses that exceed the limits of the underlying general liability policy.
Ways To Save
Paid-in-Full Discount
Save more if you pay your annual policy premium in full and on time.
Deductibles
Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.
Favorable Loss History
Receive a lower premium for favorable loss history.
OFFICE
Your office is the hub of your business. Make sure it’s properly protected with insurance from Lewis Insurance. We have developed a set of coverages that can be tailored to fit the exact needs of your office.
As your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your business
Common Coverages
General Liability
Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.
Commercial Property
Provides protection for your buildings, business personal property and property of others.
Commercial Auto
Covers vehicles you own and use for your business.
Workers Compensation
Covers work-related injuries to your employees.
Inland Marine
Offers a variety of coverages that protect your property while away from your primary location. Available coverages include Contractors Tools and Equipment, Employees Tools, Laptops, and Building Materials and Equipment. Coverage for rented equipment is also available.
Builders Risk coverage is available to cover your interest in buildings under construction.
Additional Coverages
Additional Insured
We offer you the convenience of different options for your additional insured needs. We also have blanket coverage available for one low price.
Cyber Liability
In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.
Employment Practices Liability (EPL)
Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.
Employee Dishonesty
Covers your business for employee theft of money, securities and other tangible property.
Commercial Umbrella
Covers large liability losses that exceed the limits of the underlying general liability policy.
Ways To Save
Paid-in-Full Discount
Save more if you pay your annual policy premium in full and on time.
Deductibles
Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.
Favorable Loss History
Receive a lower premium for favorable loss history.
RETAIL/SERVICE
As a business owner, you work hard to meet the needs of your customers. At Lewis Insurance we strive to do the same. We’ve developed a package of coverages that can be tailored to meet the unique needs of a variety of businesses. From barber shops to gas stations, boutiques and more, we’ve got you covered.
As your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your business.
Common Coverages
General Liability
Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.
Commercial Property
Provides protection for your buildings, business personal property and property of others.
Commercial Auto
Covers vehicles you own and use for your business.
Workers Compensation
Covers work-related injuries to your employees.
Inland Marine
Offers a variety of coverages that protect your property while away from your primary location. Available coverages include Contractors Tools and Equipment, Employees Tools, Laptops, and Building Materials and Equipment. Coverage for rented equipment is also available.
Builders Risk coverage is available to cover your interest in buildings under construction.
Additional Coverages
Additional Insured
We offer you the convenience of different options for your additional insured needs. We also have blanket coverage available for one low price.
Cyber Liability
In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.
Employment Practices Liability (EPL)
Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.
Employee Dishonesty
Covers your business for employee theft of money, securities and other tangible property.
Commercial Umbrella
Covers large liability losses that exceed the limits of the underlying general liability policy.
Ways To Save
Paid-in-Full Discount
Save more if you pay your annual policy premium in full and on time.
Deductibles
Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.
Favorable Loss History
Receive a lower premium for favorable loss history.
GARAGE
Our Garage Insurance program is specifically designed to meet the needs of today’s car, boat, ATV and farm implement dealers and repair shops.
Your customers trust you for quick and quality service – when it’s time for you to make important insurance decisions, shouldn’t you expect the same from your insurance agent?
Your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your business.
Common Coverages
Garage Liability
Provides coverage for incidents resulting from your business operations, such as customer slip and falls, damage to others’ property, use of vehicles in your garage business and more.
Inland Marine
Offers a variety of coverages that protect your property while away from your primary location including tools, employee tools, laptops, and machinery and equipment.
Dealer’s Blanket
Covers physical damage to your vehicles, watercraft and equipment.
Garagekeepers
Covers physical damage to customers’ vehicles in your possession for repair.
Workers Compensation
Covers work-related injuries to your employees.
Commercial Umbrella
Covers large liability losses that exceed the limits of the underlying garage liability policy.
Commercial Property
Provides protection for your buildings, business personal property and property of others.
Tools & Equipment
You depend on them to get the job done, make sure your tools and equipment are protected.
Additional Coverages
Mechanics E&O
Covers damage caused by faulty parts or work done by you or your employees.
Garagekeepers Actual Loss Sustained
Provides unlimited coverage for customers’ vehicles, if they are damaged while in your possession for repair.
False Pretense
Protects your dealership from certain types of fraud or theft. For example, theft during a test drive or acquiring a vehicle without legal title.
Drive Other Cars Coverage
Provides coverage to an auto you do not own, similar to what is provided under a Personal Auto policy. This is important if you are insuring your business and your personal auto liability on the same policy.
Protection and Indemnity for Boat Repair
Provides liability coverage while operating a watercraft.
Ways to Save
Deductibles
Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.
Favorable Loss History
Receive a lower premium for favorable loss history.
HOTEL
Hotel insurance through Lewis Insurance gives you the protection you need so you can focus on making your guests comfortable.
At Lewis Insurance, we understand the comfort and safety of your guests is the number one priority. We have an exclusive Hotel program designed to ensure you have the protection you need.
As your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the insurance you deserve for a price you can afford. Don’t trust anyone to protect your business.
Common Coverages
General Liability
Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by any products you offer, your services or work you have performed.
Inland Marine
Provides broader protection for your specific commercial property such as computers, machinery and equipment, tools and other items.
Commercial Property
Provides protection for your buildings, business personal property and property of others.
Workers Compensation
Covers work-related injuries to your employees.
Commercial Auto
Covers vehicles you own and use for your business.
Commercial Umbrella
Covers large liability losses that exceed the limits of the underlying general liability policy.
Additional Coverages
Liquor Liability
Coverage for liability that may arise from accidents caused by patrons who were served alcohol at your hotel.
Business Interruption
After a loss, it can take some time to get your business running smoothly again. This protection covers loss of income, costs for continued operation and extra expenses incurred during the time of rehabilitation.
Equipment Breakdown
Covers mechanical breakdown of equipment used in your business. Includes the cost to repair damaged equipment, spoiled goods and loss of income.
Employee Dishonesty
Covers your business for employee theft of money, securities and other tangible property.
Employment Practices Liability (EPL)
Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.
Cyber Liability
In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.
Innkeepers Liability
Provides coverage for your guests’ property while in the hotel or your possession.
Ways To Save
Paid-in-Full Discount
Save more if you pay your annual policy premium in full and on time.
Deductibles
Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.
Favorable Loss History
Receive a lower premium for favorable loss history.
RESTAURANT
The restaurant industry is one of the fastest growing in the country. At Lewis Insurance, we’ve developed a specialized set of coverages designed specifically for the needs of restaurants.
As your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your restaurant.
Common Coverages
General Liability
Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by any products you offer, your services or work you have performed.
Inland Marine
Provides broader protection for your specific commercial property such as computers, machinery and equipment, tools and other items.
Commercial Property
Provides protection for your buildings, business personal property and property of others.
Workers Compensation
Covers work-related injuries to your employees.
Commercial Auto
Covers vehicles you own and use for your business.
Commercial Umbrella
Covers large liability losses that exceed the limits of the underlying general liability policy.
Additional Coverages
Liquor Liability
Coverage for liability that may arise from accidents caused by patrons who were served alcohol at your hotel.
Business Interruption
After a loss, it can take some time to get your business running smoothly again. This protection covers loss of income, costs for continued operation and extra expenses incurred during the time of rehabilitation.
Equipment Breakdown
Covers mechanical breakdown of equipment used in your business. Includes the cost to repair damaged equipment, spoiled goods and loss of income.
Employee Dishonesty
Covers your business for employee theft of money, securities and other tangible property.
Employment Practices Liability (EPL)
Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.
Spoilage
Covers perishable items in the event of a power outage or breakdown of refrigeration equipment.
Cyber Liability
In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.
Ways To Save
Paid-in-Full Discount
Save more if you pay your annual policy premium in full and on time.
Deductibles
Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.
Favorable Loss History
Receive a lower premium for favorable loss history.
MANUFACTURING
Let Lewis Insurance take care of your insurance needs, so you can focus on providing your customers with quality products and outstanding service.
At Lewis Insurance, we understand the manufacturing industry and we’ve assembled a unique set of insurance coverages tailored to the needs of manufacturers.
As your local independent agent will work with you to discuss your needs and find the coverages that are right for you.
Common Coverages
Garage Liability
Provides coverage for incidents resulting from your business operations, such as customer slip and falls, damage to others’ property, use of vehicles in your garage business and more.
Inland Marine
Offers a variety of coverages that protect your property while away from your primary location including tools, employee tools, laptops, and machinery and equipment.
Workers Compensation
Covers work-related injuries to your employees.
Commercial Umbrella
Covers large liability losses that exceed the limits of the underlying garage liability policy.
Commercial Property
Provides protection for your buildings, business personal property and property of others.
Tools & Equipment
You depend on them to get the job done, make sure your tools and equipment are protected.
Additional Coverages
Employment Practices Liability (EPL)
Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.
Cyber Liability
In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.
Equipment Breakdown
Covers mechanical breakdown of equipment used in your business. Includes the cost to repair damaged equipment, spoiled goods and loss of income.
Brands and Labels
Allows your customer to remove the labels or stamp “salvage” on merchandise after a loss. This helps protect your company and product reputation.
Manufacturers Selling Price
Protects your company against the loss of profit, which otherwise would have been earned from the sale of the finished stock had it not been damaged in a loss.
Manufacturers Consequential Loss
Covers the reduction in value to remaining parts of stock after a loss.
Business Interruption
After a loss, it can take some time to get your business running smoothly again. This protection covers loss of income, costs for continued operation and extra expenses incurred during the time of rehabilitation.
Ways to Save
Deductibles
Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.
Favorable Loss History
Receive a lower premium for favorable loss history.
PROFESSIONAL LIABILITY
Professional liability is a vital coverage for any business that offers services to its customers. At Lewis Insurance, we have developed some professional liability coverages wide a wide variety of professions. This coverage protects you from liabilities that are excluded on your base policy, as well as responsibilities that arise from negligent acts, errors or omissions.
Coverages
- Association Directors Errors and Omissions
- Audiological Professional
- Barbers and Beauticians Professional
- Pharmacist Professional
- Florist Errors and Omissions
- Funeral Directors and Cemeteries Liability
- Ministers Errors and Omissions
- Optical and Hearing Aid Professional
- Optometrists Professional
- Printers Errors and Omissions
- Veterinarians Professional
- Advertising Agencies
- Auctioneers
- Caterers
- Consultants
- Graphic Design
- Interior Decorators
- Kennels
- Tax Preparers
- Travel Agencies