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Business Insurance

Protect the business you've worked so hard to build.

Business Can Be Challenging Enough

You don’t want your insurance agency to be one of those challenges.

Over the years, we’ve insured thousands of businesses in hundreds of different industries, and what we’ve learned is there are a lot of insurance agencies that do a lot of talking, but not nearly enough that do a lot of listening. At IB Insurance, we’re the listeners, and the doers. You have a lot invested in your business, and it’s our job to make certain that risks are minimized and goals are achieved. The only way to do that is to take the time to listen and understand. We have top-notch solutions to your business needs, with the best insurance companies in the business. We are ready to start listening.
 
 
 
 
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We work with our many insurance markets to obtain competitive quotes that help you get the most value from the dollars you spend on business insurance.

 

Whether your business is large or small, we have the insurance products to meet your needs. 

Your business is important, so you need insurance that can help protect your key employees. IB Insurance offers a number of different insurance solutions to fit your needs. 
What we need:
  • Full business and description of operations
  • Officer names and position
  • Length of time in business
  • Estimated gross receipts 
  • Employee payroll
  • Year building(s) built and year of updates to roof, electrical, plumbing and heat 
  • Tool and equipment values
  • Loss history
  • Federal ID number
  • Copy of current policy, if available.
Commercial vehicle insurance, like your personal auto policy, provides similar coverage against liability, collision, comprehensive damage, medical payment, personal injury protection and uninsured motorist coverage.
What we need: 
  • Full name, birth date, driver’s license number for all drivers
  • Vehicle description and ID number
  • Cost new
  • Radius
  • Special equipment
  • How vehicle is used
  • Loss history
  • Copy of current policy, if available
Hosting events such as Golf Outings, Concerts, Festivals, Conferences, Trade Shows, Sporting Events and Celebrations subjects a business to a variety of liabilities.
What we need:
  • Type of Event
  • Date of Event
  • Duration of the Event
  • Number of Participants
  • Estimated Receipts
Modern technology is drastically changing the way many businesses operate on a day to day basis. Help lessen the risk of a security breach or similar event. Ensure that your business as well as your customer’s personal information is protected.
What we need:
  • Full Business Name, Location and Description of Operations
  • Length of Time in Business
  • Estimated Gross Receipts
  • Total Number of Confidential Records Kept, if applicable
  • Loss History
  • Federal ID Number
  • Copy of current policy, if available.
While you may already carry General Liability coverage for your business, a Commercial Umbrella provides an additional layer of protection in the event of catastrophic losses or events.
What we need:
  • Full Business Name, Location and Description of Operations
  • Length of Time in Business
  • Estimated Gross Receipts
  • Number of Employees
  • Estimated Total Employee Payroll
  • Loss History
  • Federal ID Number
  • Copy of Current Umbrella and/or Other Underlying Policies, if available.
Keep your employees – and your bottom line – safe with workers compensation insurance. Ensure that you are protected if one of your employees is hurt or negligent on the job. 
What we need:
  • Full business and description of operations
  • Owner/officer names and position
  • Length of time in business
  • Employee payroll
  • Loss history
  • Federal ID number
  • Copy of current policy, if available
Whether you need health insurance for yourself or want to provide group benefits for your employees, IB Insurance can help. We can provide employee benefits for your business needs, no matter how large or small.
Group Benefits: 
  • Health
  • Dental, including Voluntary
  • Life, including Supplemental and Voluntary
  • Accidental Death & Dismemberment
  • Dependent Life
  • Short-Term Disability
  • Long-Term Disability
  • Vision
  • Wellness Programs
  • Flexible Spending Accounts (FSAs)
  • Health Savings Accounts (HSAs)
  • Health Reimbursement Arrangements (HRAs)
Professional Liability insurance covers liability for damages arising from the rendering of or failure to render professional services.  Protect yourself and your business from claims not covered by general liability coverage.
What we need:
  • Full business and description of operations
  • Owner/officer names and position
  • Length of time in business
  • Estimated gross receipts 
  • Loss history
  • Federal ID number
  • Copy of current policy, if available.
Directors & Officers insurance protects executives against the consequences of alleged or actual “wrongful acts” they commit while performing regular or supervisory duties.
What we need:
  • Full business and description of operations
  • Owner/officer names and position
  • Length of time in business
  • Estimated gross receipts 
  • Loss history
  • Federal ID number
  • Copy of current policy, if available.
Protect your business from damage or a physical loss of materials, fixtures and equipment during the course of construction of a new building or structure.
What we need:
  • Full Business Name, Location and Description of Operations
  • Length of Time in Business
  • Building Specifications (construction type, # of stories, basements, roof type, replacement value, square footage)
  • Value of Materials/Equipment at Construction Site
  • Loss History
  • Federal ID Number
  • Copy of current policy, if applicable.

Questions? Contact a local agent at 800-472-1544

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

IB Insurance Agency, Inc. is a wholly owned subsidiary of IncredibleBank. Products offered by IB Insurance are not a deposit, not FDIC insured and not guaranteed by IncredibleBank.