Business

Kramer Insurance and our carriers have a vast appetite for Business Insurance. Our agency is dedicated to helping business owners make decisions about their insurance needs. If you're interested in obtaining more information or a quote, contact us today! Check out the list below to see just a sampling of the types of business we can insure:

Retail, Offices, Service, Religious Organizations, Wholesale
Policies cover small to medium-sized retail, wholesale, office and service businesses. Examples include gift shops and specialty stores, bakeries, deli and coffee shops, barber shops and beauty salons, accounting and bookkeeping firms, and medical and dental offices. Religious organizations can also be covered.

Apartment Buildings, Condo Associations, Building Owners
As a property owner, you have special insurance coverage needs. Kramer Insurance offers policies that will help protect property owners who may need property and liability coverage for their apartment buildings, condominiums, leased offices, shopping centers and other properties.

Manufacturing, Restaurants, Hotel/Motel
Our policies can be specifically tailored to provide insurance coverage for any eligible business or institution such as hospitality, institutional, contracting, manufacturing and processing operations. Examples include restaurants, hotels, golf courses, printers, daycare centers, grocery stores, commercial contractors, machine shops and tool and die shops.

Contractors
These policies are designed for artisan tradespeople and residential construction contractors. Additional coverage can be written to meet your business needs for employee tools, contractors' equipment, voluntary property damage, and installation and builders' risk coverages.

Business Vehicles and Auto Sales, Service and Repairs
Our business auto policy provides liability, collision and comprehensive coverage to meet your business needs. Whether you own retail, wholesale delivery, contractor or service vehicles, our carriers will customize your policy to meet your specific needs.

Our carriers also offer insurance for all aspects of auto sales and service. This policy provides liability coverage for your work and the physical damage coverage on your and your customers' vehicles. Eligible businesses include auto repair garages, service stations, auto detailers, and franchised and non-franchised auto dealerships.

Special Lines Coverage
Business Catastrophe Liability
Our carriers offer additional liability coverage for eligible business operations. It serves as a financial reserve or cushion against a judgment beyond the limits of your primary liability policies.

Employment Practices
An Employment Practices Liability (EPL) claim can be leveled at any business.

Liability Insurance
Any of these practices - hiring, performance assessments, payroll decisions and terminations - can give rise to an EPL claim.

Workers' Compensation
Workers' Compensation insurance provides coverage for employees injured in the workplace or in the course of their employment. The policy also provides Employers' Liability insurance for any related suits that are permitted under state law. Policies provide many services to help prevent and manage employee injury, including loss control resources, physician panels and medical management.

Commercial & Contract Bonds
Your word is your bond; however, in some instances, you'll need that in writing. Our bond program offers several surety tools to satisfy your business requirements. Products include Contract Bonds, License and Permit Bonds, Court Bonds, Judicial Bonds, Public Official Bonds and Financial Guaranty Bonds.