A variety of classes are available, and we find we're most competitive with those that have policies with the Assigned Risk market.
BENEFITS WITH US:
Better rates than Assigned Risk Pool
Combines General Liability and Workers Compensation policies in a package with 2 separate policies numbers
Currently available for NC, SC, VA & GA
ADDITIONAL BENEFITS WE CAN ADD:
Blanket Additional Insured form
Waiver of Subrogation
Primary and Non-Contributory
Blanket Waiver of Subrogation on Workers Compensation policies
AM Best rated A+ (Superior) Carriers
WORKERS COMPENSATION COVERAGE FOR SUB-CONTRACTORS
With our unique insurance companies, we are able to bring together General Liability and Workers Compensations rates, that are normally reserved only for large operations, to the small Sub-contractors’ companies.
Como profesional, necesitas un seguro de “Roofers General Liability Insurance” o Seguro de responsabilidad civil general para contratista de techos. Sea que le llames, “ruferos, “roofers” o simplemente contratista de techos, sin el seguro no podrás concentrarte en tu trabajo por temor a tener un accidente o una demanda. Continué leyendo...
Say goodbye to expensive and complicated Commercial Insurance policies that never show you the benefits. We can offer you an affordable policy from multiple carries and insurance companies that provides real benefits. Be bold, click here and discover your benefits.
Commercial auto insurance covers injuries that you or your employees may cause to other people and their property while driving.
A typical commercial auto policy may include:
Medical payments coverage
Uninsured and underinsured motorist coverage
Coverage for vehicles you rent or borrow
Coverage for employees who use their cars for business
There are three basic parts of every commercial auto policy:
Physical damage insurance − includes collision and comprehensive coverage
Liability insurance − includes bodily injury, property damage, uninsured motorist and underinsured motorist coverage
Other coverage − includes medical payments, towing and labor, rental reimbursement and auto loan or lease gap coverage.
Specific things covered:
Collision insurance Pays for damage to your vehicle if you hit another vehicle, another vehicle hits you or your vehicle rolls over, regardless of who is at fault. Collision coverage may be required if your vehicle is financed or leased.
Comprehensive insurance Pays for damage to your vehicle from causes other than an accident. Such causes may include theft, flood, vandalism, earthquakes, fire or damage from a bird or animal.
Liability insurance Covers bodily injury to others and any property damage to another vehicle if you are at fault in an accident. Bodily injury pays others’ medical costs and lost wages, and your legal expenses if a lawsuit is brought against you due to an accident.
Uninsured motorist coverage Pays for your injuries or property damage if you’re hit by an uninsured driver.
Underinsured motorist coverage Protects you if the at-fault driver doesn’t carry enough liability insurance to cover your bills
Additional Options Beyond these basic components, you can customize your business auto policy with the following coverages or endorsements:
Roadside Assistance Protects you when problems arise that are not typically handled under your commercial auto policy. This could include being locked out of your car, dead batteries and flat tires.
New vehicle replacement cost coverage Replaces your new vehicle under a total loss with a new or comparable vehicle. Also provides gap coverage for any amount you may owe that’s above your car’s actual cash value.
Hired auto physical damage with loss of use coverage Covers comprehensive and collision damage to a leased or rented vehicle, as well as any other contractual obligations to the leasing or rental company.
Auto loan or lease coverage Covers the difference between the unpaid amount on the loan or lease and the actual cash value of the vehicle, if your vehicle is a total loss after an accident.
Expanded towing Provides towing coverage beyond what’s covered by your standard business auto policy. It also covers towing, jump starts and minor roadside repairs.
Rental reimbursement Pays for a rental car up to the limits of your policy so you have transportation after an accident.
Medical payments or personal injury protection coverage Pays for medical expenses if your health care insurance – or your passengers’ – doesn’t cover the costs.
See how easy it is to quote, buy and save on all your insurance.
El tipo de cobertura de seguro comercial que necesitas en Florida depende del tipo de compañía que tengas. Por ejemplo, un servicio que se especializa en remover árboles y trabaja con equipos peligrosos tendrá mayores riesgos y necesidades diferentes en comparación con un diseñador de páginas web. Un contratista que hace trabajos de remodelaciones o un contratista que hace trabajos de techo tiene más riegos que alguien que hace trabajos de instalación de pisos. Otro detalle que puede influir el precio y los tipos de pólizas que puedes necesitar, es la ubicación de tu compañía y los años de experiencia. Dentro de la gran variedad de productos y pólizas que puedes necesitar, existen 3 tipos de pólizas de seguros comerciales que la mayoría de los negocios necesitan en Florida:
1. Seguro de responsabilidad civil (General Liability) y/o Dueños de negocios (BOP) 2. Auto comercial (Commercial Auto) 3. Compensación para los trabajadores (Workers Compensation)
Why You Need Small Business Vehicle Insurance? Insuring your company cars and specialized trucks and vans is no small matter. Should an accident occur, you have significant business assets to protect and potentially complex issues of liability. Without adequate and appropriate insurance coverage for your business vehicles, you put everything at risk.
As a business owner, even minor traffic accidents or breakdowns can cause major hassles in keeping your operations running smoothly. So, you need the responsiveness and reliability of a commercial vehicle insurance specialist that understands the critical nature of getting your vehicles back on the road.
State Requirements Just like personal auto insurance, state requirements vary when it comes to education, licensing and even Small Business Auto coverages. Most states mandate minimum levels of financial responsibility in the case of accident or other loss.
Protecting Your Business Assets Any accident that causes injury, loss of life, or damage to property could potentially land you in litigation or bankruptcy. Small Business Auto Insurance protects your business assets and reduces your exposure to liability.
Investment Protection Small Business Auto Insurance reflects the significant investment you've made in your company vehicles. If you end up with a totaled truck, you don't want to be left making payments to the bank! Small Business Auto Insurance is there to mitigate that risk.
Vehicles for Business Use are Not the Same as Personal Autos When an employee gets behind the wheel of a company car, the potential liability in the event of an accident is very different from a car that is for personal use only. Passenger autos as well as the specialized trucks, vans and other rigs you use in your business activities carry different safety risks, associated costs, and consequently require specific insurance coverages to protect your business in the case of loss. Small Business Auto Insurance policies reflect these unique needs with specialized coverages and features.
Selecting the Right Coverage for Your Business Selecting the best fitting coverage for your company cars and trucks means finding the right balance of coverage options, liability limits, deductibles and services that makes sense for your business. That equation should take into account:
The type of vehicles driven
Risk factors in their usage
Your financial position
Where to start when selecting commercial vehicle coverages? The best way to start is with a trained commercial vehicle insurance expert. Whether you're looking to insure a fleet of company cars, or larger commercial trucks like flat-bed trucks, refrigerator trucks, box trucks or light-to-medium duty trucks, trained National General Insurance experts have the experience to help you make critical coverage selections.
Lower Your Commercial Vehicle Insurance Premiums To get the best possible commercial vehicle insurance rates:
Consider raising your company car insurance deductibles to lower your insurance premium.
Look for features in your insured vehicles that reduce drivers’ risks. Air bags, anti-lock brakes, and anti-theft devices all offer opportunities for lower rates.
Those with fewer traffic violations, accidents or other incidents benefit from lower rates.
Look for value over the long-run – it helps you save and provides peace of mind.
Providing proof of prior insurance – Commercial or Personal Auto – without a lapse within the most recent 6 months also means savings.
Company Cars vs. Personal Autos If you think your personal auto insurance has you covered for your company car – think again. In many instances, if an accident takes place while a vehicle is being used for business purposes, a personal auto insurance policy won’t cover the losses. Commercial vehicle insurance is specifically designed to protect you, your company vehicles and your employees while on the road and at job sites. Here are some other compelling reasons to have a commercial policy for your business vehicles:
Any damages incurred could exceed the coverage limits of a personal policy. Commercial insurance provides Bodily Injury and Property Damage limits up to $1 million – not typically what you have for a personal auto insurance policy!
An entire fleet of vehicles for your business can quickly go above the number allowed on a personal policy. Commercial vehicle insurance automatically allows you to have more.
Commercial vehicle insurance covers damages to scheduled permanently attached or other customized equipment.
If a vehicle has to be taken out of service for repairs, Small Business Auto Insurance offers what is called Hired and Non-Owned Coverage, which provides a temporary replacement or allows an employee-owned vehicle to be used without foregoing the necessary coverages and protections.
Safety Tips for Business Owners
Be sure your leased, financed or purchased vehicles are in good condition and are regularly maintained.
Routine maintenance should include checking for tire wear and other stress points, depending upon distances traveled and the nature of the vehicle.
Be sure your drivers are properly trained for the vehicles they are using.
Regularly retest your drivers on complex vehicles.
Make sure drivers have periodic vision, hearing and physical exams, including drug and alcohol testing.
Use qualified repair shops for safe and properly inspected repair services.
Remind even experienced drivers of heavy-duty and medium-duty trucks of seasonal weather-related hazards, particularly if hazardous road conditions are not part of their regular route.
1. How do I know if you cover my sort of business? We can help with the specialty auto and commercial vehicle insurance to a wide range of sole proprietorships, partnerships, small businesses, corporations, – if you have trucks, vans and cars you depend on for your livelihood – with only a few exceptions – we probably have your business and your vehicles covered.
2. Can I get your commercial vehicle insurance in my state? Today, we represent insurance companies that offer exceptional coverages at affordable rates in the following states:
3. What vehicle types do you specifically cover?
Sports Utility Vehicles (SUVs)
Flatbeds with lifts
Flatbeds with cranes
Stake body trucks
4. What discounts are available? At TJC Insurance we offer several discounts to our commercial vehicle insurance customers. You can enjoy:
Special Trade discounts – Farm/Ranch discount, Tradesman discount for Artisans and Contractors
We design customized insurance plans to protect your commercial assets.
Lower Insurance Rates? Paying less for insurance doesn’t mean you have to sacrifice coverage or quality of service. TJC Insurance works with many insurance carriers to ensure you get the best possible rate for exactly the right coverage.
WHAT WE DO TJC offers a wide range of products including property, casualty, auto, garage and personal lines. TJC is committed to quality service for our clients. TJC writes business in North Carolina, South Carolina, Virginia, West Virginia, Pennsylvania, Georgia, Maryland and Florida.
COMMERCIAL PROPERTY INSURANCE PRODUCTS TJC Insurance offers a wide variety of Commercial Property Insurance Products through our various markets. We have access to both Admitted & Non-admitted Great Carriers.
Commercial Property Building – Wind, Coastal Wind, Vacant, All protection classes Business Personal Property Equipment Breakdown Excess Flood Excess Wind Signs
Commercial Casualty Insurance Products TJC offers a wide variety of Commercial Casualty Insurance Products through our various and great markets. We have a variety of limits, coverages and benefits available.
General Liability We can write over 1,000 ISO Classes. We say YES when other say NO! TJC writes Artisan Contractors, General Contractors and Primary limits up to 5,000,000/5,000,000 (on certain classes)
Excess & Umbrellas Up to $10,000,000 excess limits
Liquor Liability Stand alone or packaged Including Bars, Taverns and Restaurants.
Special Events Short term & Annual Policies Available
TOP CLASSES THAT TJC WRITES A/C Systems or Equipment Alarms and Alarm Systems Apartment Buildings Appliances – installation, service or repair Automobile Repair or Service Shops Beauty Parlors and Hair Styling Salons Buildings or Premises (Lessor’s risk only) Carpentry Carpet, Rug, Furniture or Upholstery Cleaning Caterers Ceiling or Wall Installation Churches or Other Houses of Worship Cleaning or Washing by Pressure Apparatus Communication Equipment Installation Concessionaires Concrete Construction Contractors – subcontracted work Contractors Equipment Day Care Center Debris Removal Door, Window or Assembled Millwork Driveway, Parking Area or Sidewalk Dry Wall or Wallboard Installation Dwellings – Lessor’s risk only Electrical Apparatus – installation, servicing or repair Electrical Work Excavation Fence Erection Contractors Fire Extinguishers Fire Suppression Systems Floor Covering Installation Florists Garbage, Ash or Refuse Collecting Gas Dealers Gasoline Stations General Contractors Grading of Land Grocery Stores Handyperson Heating or Heating and A/C Systems or Equipment Janitorial Services Landscape Gardening Lawn Care Services Machinery or Equipment – installation, service or repair Machinery or Equipment Dealers Masonry Metal Erection Mobile Home Parks or Courts Mobile Home Setup Painting Plastering or Stucco Work Plumbing Prefabricated Building Erection Restaurants /Bars Roofing Sales or Service Organizations Schools Septic Tank Systems Sheet Metal Work Siding Installation Sporting Goods or Athletic Equipment Sales Stores Swimming Pools Telecommunication Service Providers Telephone, Telegraph or Cable TV Line Construction Tile, Stone, Marble, Mosaic or Terrazzo Work Tree Pruning, Dusting, Spraying, or Trimming Truckers Vacant Buildings Vacant Land Window Cleaning Wrecking – buildings or structures
Small Business Auto Coverages If you’re in business – almost any kind of business – we can help you with your commercial vehicle insurance needs. With customers in a wide range of industries, we take care of commercial auto insurance from long-established corporations and startups to sole proprietors and partnerships. We have insurance companies that offer the state-mandated coverages you need along with a host of discounts, special services and features designed for insuring commercial vehicles.
Commercial auto insurance cost Finding cheap commercial auto insurance is often a priority for small business owners. Although there are ways to save money. These include:
Your business type
The types of vehicles you drive
The drivers driving histories
The amount of coverage you need
These factors can significantly increase or decrease your premium. Also, we can add most of the customized and permanently attached equipment.
Small Business Coverages include:
Medical Payments or Personal Injury Protection
Collision and Comprehensive
Uninsured and Underinsured Motorist Coverage
Endorsements for Hired, Any Auto, Owned Auto, Broadened Cargo, Drive Other Auto, MCS-90, Federal Filings, and State Filing
Commercial Vehicle types covered include:
Sports Utility Vehicles (SUV)
Stake Body Trucks
Small Business Auto Insurance is currently available in the following states:
How is the cost of workers’ compensation insurance determined?
Similar businesses in each state, that exhibit comparable workplace injury patterns and costs, are grouped into “classes.” Rates are determined for each class based on the prior five years of loss costs for all businesses within that class. This provides an equitable system where rates are charged commensurate with the actual loss experience of the class of business. Economic factors for each state are then overlaid onto this data to determine the rate for each class in each state. A system called “experience rating” allows for modification of the class rates based on the loss history of an individual business. This system provides business owners a significant amount of control over the cost of their workers’ compensation premium – safe businesses are rewarded with lower premiums and unsafe businesses are penalized with higher premiums.
Who is required to carry workers’ compensation insurance?
All states, with a small number of exceptions, require businesses with employees who are not owners, to purchased workers’ compensation coverage for those employees. Businesses that fail to provide workers’ compensation coverage can face severe and costly repercussions including payment of claims out of pocket, fines and possible imprisonment, as well as possibly losing the right to conduct business in the state.
We can help you to get a full complement of products designed for small businesses. With over 20 years of combined experience as a Workers' Compensation specialist, we have established the track record and expertise to bring added value to your policy.
We offer policies with a wide variety of businesses but with an emphasis on small- to medium-sized companies – our specialty!
Multiple insurance companies that allow us to well matched to the needs of different businesses
An easy, streamlined process for obtaining quick quotes
Excellent customer service (which encourages renewals)
Businesses can get a quote for Workers' Compensation insurance and see firsthand all the benefits TJC Insurance offers
Workers’ compensation insurance provides medical and wage benefits to people who are injured or become ill at work. The coverage is mandated by each state and the wage and medical benefits vary by state. Workers’ compensation is considered a social insurance because it relies on a social contract between management and labor, wherein exchange for purchasing workers’ compensation insurance, business owners are protected from civil suits from their workers who become injured on the job. Each party benefits yet has limitations. Workers’ compensation insurance is purchased by businesses, and is underwritten by insurance companies and, in some states, underwritten by publicly supported state funds.
There are many things to think about when doing business today, and among the most important are the amounts and types of insurance to carry in order to protect adequately your small business. Without proper protection, your small business could be subject to financial ruin because of a property loss or a lawsuit resulting from your business activities. How Much Virginia Commercial Liability Insurance Should You Carry?
Each situation is unique; the type of Virginia business you operate or products you offer should determine how much Virginia commercial general liability insurance you need. A good rule of thumb for most small businesses is between $500,000 and $1 million. However, if yours is a high-risk business or has a high volume of interaction with the public such as a restaurant or retail business, you should consider increasing your coverage.
This study suggests a chain of positive events—workplaces give employees the opportunity to do their best; employees thus experience success and recognition, cultivate self-efficacy, engage in healthy lifestyles, and ultimately reduce their risk for chronic diseases. The positive health outcome is in addition to previously known benefits of skill utilization, such as high job satisfaction, better mental health, low turnover, and high productivity. What a win-win situation for both employees and employers!
To create such a situation, supervisors need to identify the valuable skills each employee has. This should not be limited to technical skills for a particular job. For example, social and interpersonal skills, emotional capacity, organizing skills, and problem-solving abilities are all important for a well-functioning workplace. Once supervisors identify these skills, they can facilitate the best use of them, develop them further, and then recognize employees for jobs well done. These are all good, well-established management strategies. The new twist is that these strategies may have health benefits, too.