Business & Commercial Insurance
Hackl Insurance offers a customized variety of commercial insurance products for companies both big and small. Every business is different. We will provide the right protection for your business.
Businessowners Policy (BOP)
Property insurance. Liability insurance. Business income insurance.
A businessowners policy, also known as BOP insurance, combines various insurance coverage with additional protection into one convenient package. Small and mid-sized companies have learned in the last several years that change now comes faster than ever. In an environment of continuing economic uncertainty, slim profit margins, and new types of business risks, companies should reevaluate the breadth, scope and extent of their insurance coverage more often.
The best way to assess the changing risk environment is by working with a trusted professional, such as Hackl Insurance. Our job is to help your business achieve and protect its profitability by understanding its risk appetite and avoiding financial perils. This is not a one-and-done exercise because a company’s risk profile is constantly evolving.
One of the first steps when getting business insurance is learning how much protection you will need to cover all of your bases. You can’t predict every bump in the road ahead, but you can assess how much general liability insurance you might need. It’s all about knowing your business and which factors will influence your coverage level.
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Affordable business insurance for retail stores, professional offices, contractors, auto service & repair, food service, wholesalers, distributors, and more
Why do I need business insurance coverage?
As a business owner, you need business insurance to protect yourself, your employees, your customers, your assets and the future of your company. Think about the high costs associated with worker injuries, lawsuits, temporary business closures and data breaches. Without business insurance, any one of those examples could jeopardize the future of your business.
Commercial Property Insurance
Your business has a lot of physical assets. Your building and its contents. Any outdoor fixtures like signs or fences. Stuff that can be damaged – which means you need to protect it. That’s why commercial property insurance (also referred to as business property insurance) is a smart investment to make for your business.
Commercial Vehicle Insurance for your Business
Commercial auto insurance provides a variety of coverages for cars, trucks, vans and other vehicles used by your business. Business auto liability insurance is an important safeguard for your business. If you or an employee is sued following a serious accident in a car or truck you own, liability insurance helps protect your company’s assets.
Utility and Business Interruption Insurance
Are you prepared if outside forces interrupt your business and cause you to close your doors for a period of time? If your business is without natural gas, phone, connectivity or water for more than a day, business interruption insurance and utility interruption insurance can offer your business the protection it needs.
Unfortunately, data breaches and other cyber crimes are becoming way too common. In the past couple years, data breaches have resulted in major fines and legal fees – not to mention headaches – for a discount retail chain, one of the nation’s largest banks, a well-known health insurer, an entertainment network and the federal government. But it’s not just large organizations that are susceptible to being hacked or getting a virus. Did you know that 55% of small businesses have experienced a data breach and that 53% have had multiple breaches? A data breach can damage more than just your small-business computer system – it also can damage your reputation and put your customers and/or employees at risk. That’s why cyber insurance can be a smart precaution for any size business.
Cyber insurance generally covers your business’ liability for a data breach involving sensitive customer information, such as Social Security numbers, credit card numbers, account numbers, driver’s license numbers and health records.