Commercial Liability Insurance • Business Insurance
Founded in 1983, Santucci Insurance is an Agent/Broker for Commercial Insurance, including Liability Insurance and Business Insurance.
Business Owners Policy (BOP)
A BOP is combined coverage for several common types of business insurance needs. Your BOP generally covers liability insurance, see next section, along with property insurance for buildings and contents owned by your company. It usually provides Business Interruption Insurance, in case your business loses income due to a catastrophe, such as fire. Properly structured, a BOP significantly reduces your business risks and helps create sustainability for your business operation. Discuss your business risks with a Santucci Insurance agent today.
Your business is vulnerable to lawsuits that may arise from claims of property damage or bodily injury. Lawsuits may be filed by anyone, including customers. Even if the lawsuit has a weak basis, it must still be defended. Legal costs can escalate into thousands of dollars. The right liability policy not only protects you from damages and penalties you might otherwise have to pay, it also protects you from the cost of defending yourself through legal channels. Costs vary widely depending on your business category and the risk characteristics of your business.
Commercial Auto Insurance
If your business has company vehicles, or if you use your own vehicle for business purposes, you need commercial auto insurance. your personal auto insurance may deny certain claims, if related to business activity. Ideally, your agent should examine both your personal and commercial auto insurance policies to make sure that they provide complete, but not over-lapping coverage. Unless explicitly stated in your business owners policy, commercial auto will probably not be covered.
Advantages of Santucci Insurance
As insurance brokers, Santucci Insurance can analyze your business and negotiate with many insurance companies to find you the best combination of coverage and affordability. Because Santucci is not bound to any single insurance carrier, your interests come first.
Price Quote Process
Rates for all types of commercial insurance vary widely from carrier to carrier. In addition, business owners can take specific steps to reduce risks in an effort to control their cost of insurance. Your Santucci representative will work with you to understand your risk profile. This will help determine the right policy, coverage, and carrier for you.
Santucci Insurance serves customers in many industries, and has special expertise in insurance for restaurants, building contractors, and retailers of all types. Visit our Restaurant Insurance web page.
In addition to commercial insurance, Santucci Insurance provides professional insurance, restaurant insurance, auto insurance, homeowners insurance, and insurance for nonprofit organizations
We welcome your inquiries. Please call or e-mail for a no-cost, no obligation analysis and price quote on your commercial insurance needs. Click here to access our contact information page.