Worker's Compensation Insurance

Your business needs to provide worker's compensation insurance. This insurance covers your employees' medical expenses and lost wages if they're hurt on the job.

Workers comp is a compromise between your business and your employees. Benefits are paid regardless of who is to blame for the accident or injury. This "no-fault" status is key to workers comp. The employer does not admit liability for the injury or illness, and the employee recoups workers comp benefits without having to sue. But workers comp won't pay for accidents due to irresponsible behavior, or illegal drugs, though. The same goes for self-inflicted injuries, and for injuries incurred while a worker is off the job, committing a crime, or violating company policy.

Hale-Smith Insurance has partnerships with some of the best worker's compensation insurance providers in the business. Please contact us so we can provide our best recommendation to you.

Business Property Insurance

Business insurance may cover property of all types that you own, or is in your care, custody, or control. This may include buildings, improvements, equipment, inventory, goods in transit, earnings, etc. Your contractual obligations may also require you to protect other people's property as well.

Insurance of property is based on its value, however that may be derived. There are "co-insurance" penalties for failing to insure to value. These penalties will be applied to any loss adjustment. Determination of value is also important for calculating the premium and compensating for a loss.

Some types of valuation include:

• Actual cash value - meaning market or depreciated value
  
• Replacement cost
  
• Selling price for unsold inventory
  
• Coverage of business interruption

Please contact Hale-Smith Insurance so we can put together the best business property insurance package for you.

Business Insurance

You've worked hard to build a successful business. Have you thought about the importance of protecting it? For example:

• What if someone is injured on your property, or if your business is burglarized?
  
• Are you covered by business insurance?
  
• Is your family protected by disability income insurance if you, as sole proprietor, are in an accident or get sick?
  
• Do you have a solid life insurance policy so your family can keep the business going?
  
• Do you have health insurance that fit you and your family's needs?
  
• Shouldn't you do everything in your power to protect your business with full insurance protection against life's uncertainties?

This is why you should call Hale-Smith Insurance. Rely on an agency with the experience, commercial companies, and products to provide you with the coverage and service for all your insurance needs -- general liability, property, workers' compensation, automobile, umbrella coverage, and more.

There is no substitute for experience, and our agency has more than 40 years worth in the insurance industry. We have the expertise to advise you of the coverage you should have to protect your business.

When you choose Hale-Smith Insurance, keep in mind that we represent several insurance companies, including Travelers, Foremost, and more. Therefore, we can provide you with the coverage you need at very competitive rates.

Whether you are just starting a new business, or have a multi-million dollar operation, call one of our commercial experts today for a full review of your insurance program. Protecting the business you've worked so hard to build should be protected from life's many risks.

General Liability Insurance

General liability insurance comes into play when you need to protect other people and their property from any damage your company and its property may cause. General liability may even be required by government statute, licensing body, or by threat of litigation.

Coverage Explanation
Major types of business liability to consider include:

• Premises / Operations
  
• Lessor's Risk
  
• Contractual
  
• Products/Completed Operations
  
• Personal Injury
  
• Non-owned Auto
  
• Professional Liability

One of Hale-Smith's Insurance agents will discuss each of these with you to determine the appropriate insurance and coverage amounts for your business needs.