Businesses by nature have many risks, but business liability coverage safeguards against many known and unknown risks. Commercial liability insurance coverage protects you, your business and your employees from claims involving bodily injury or property damage, up to the limits of your policy. BOP's Include:

• Property insurance for buildings and contents owned by the company -- there are two different forms, standard and special, which provides more comprehensive coverage.
• Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
• Liability protection, which covers your company's legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided. BOPs do NOT cover professional liability, auto insurance, worker's compensation or health and disability insurance. You'll need separate insurance policies to cover professional services, vehicles, and your employees.

NOTE: We are a Premier Skilled and Assisted Living facility and operations specialist, our agency owner is a past facilities owner and certified Administrator, along with the coveted insurance industry designation of CLCS, Commercial Lines Coverage Specialist, and has developed our program to deliver top tier carrier and services for any facility and business size, we also offer specialized coverages for all types and sizes.

Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage.

Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working.

Workers receive benefits regardless of who was at fault in the accident. If a worker is killed while working, workers comp (as it is often abbreviated) provides death benefits for the worker's dependents.

Our large carrier appointments and services allow us to seek your industries leading carriers which have become industry specific, allowing you to chose between several programs, services, and rates that meet your needs as a employer of choice.

Small to medium companies all have one thing in common, Payroll and labor law compliance challenges. It’s like tax and death, they all have the same endeavors in trying to meet the demands of payroll struggles and the ever-changing labor laws. 3/5's of businesses in the US are faced with lawsuits do to employee treatment, intentionally or not. Every company is at risk and no business with employees is exempt from this fact. In addition, the small to mid-size companies are at the greatest risks, for they do not always have the resources to implement the best options, until now.
Keeping track of payrolls, hourly, overtimes, holiday, sick or away on leave are alone enough to boggle the most ardent business practices. Throw in regulations like days and hour regulations, benefits, WorkComp, COBRA, funding the direct deposits etc the list goes on and on.
Stop the struggle, the pains, the mishaps, and most importance, stop the chance of losing your legacy, when we have the Better Option to your Payroll and Compliance needs.

Benefits we offer include:

• Full Payroll services top to bottom
• Benefits administration complete
• Optional Time and Attendance services using web based system eliminates errors and just plan easy and smart.
• Optional online payroll client services management, we highly recommend saving you hours in administration.
• COBRA compliance and certificates
• HR regulatory compliance, return to work, employee contracts, industry interpretation, changes, and application tools.
• The ONLY Payroll and Benefits administrator that includes Compliance auditing.

The list is significant of the HR and Payroll compliance and regulatory tools available and completely affordable. In fact, we most often find it's more affordable than not to join this program offered by Better Options Insurance Services.
Bottom line, you retain your employees by making you the employee of choice, you save time and monies doing it, and most important you protect your legacy, it is truly your better option to your payroll and HR compliance needs.

Claims not covered by general liability insurance that are covered by professional liability insurance include negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. What types of businesses need professional liability insurance?
In some states, professional liability insurance is required, especially for attorneys and doctors. Legal and medical malpractice insurance policies are special types of professional liability insurance. Other professionals that should consider professional liability insurance include:

• Social services: Skilled or Assisted Ambulatory only, all forms of license types
• Accountants
• Architects
• Engineers
• Graphic designers
• Information technology (IT) consultants
• Insurance professionals
• Investment advisors
• Management consultants
• Real estate agents and brokers
• Software developers

There are two types of professional liability polices: claims-made and occurrence. Most professional liability insurance policies are "claims-made", meaning that the policy must be in effect both when the event took place and when a lawsuit is filed for a claim to be paid. If, however, you change careers or retire, you may want to purchase an "occurrence" policy that will cover any claim for an event that took place during the period of coverage - even if the suit is filed after the policy lapses.
Professional liability insurance will pay the cost of legal defense against claims and payment of judgments against you, up to the limit of the policy. In general, coverage does not extend to non-financial losses or losses caused by intentional or dishonest acts.
You may be able to include professional liability coverage in a Commercial Package Policy (CPP) as an endorsement. Note, however, the professional liability coverage is not included in an in-home business policy or Business Owners Policy (BOP).

• Business interruption and Supply Chain disruption
• Commercial Package Policies
• Marine and Cargo
• Product Liability, recalls and contamination
• Directors and Officers Insurance
• Crop and Livestock insurance
• Medical Malpractice
• Aviation
• Inland Marine (Bailees, Builders Risk, Exhibition and Fine Arts, Installations, Cargo etc)

Let us together discuss your operations and see how uniquely our professionals assemble a solution for you and your business. We look forward in offering you a Better Option when in comes to fully protecting your business and personal needs in this ever-changing environment.