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A Business Owners Policy (BOP) combines many different coverages into one policy to protect your small to medium-size business assets including property coverage, liability protection, business interruption as well as other coverages. Many industries have specialized packages for their business owners policies. At Evergreen Insurance, we can give you a customized option that covers your needs and is specific to your industry.

Commercial Auto Insurance protects against property damage to vehicles and damage caused to others by covered vehicles. It's important to note that a personal auto policy does not cover vehicles used by your business. If your company uses vehicles in the course of business, then you need to secure a business auto policy. Evergreen Insurance provides the most comprehensive auto coverage for your business. Keep your business protected against potentially devastating costs stemming from an auto accident involving a business-owned vehicle.

Whether you own your building, lease your workspace or work from home commercial property insurance is one of the most important investments you can make to ensure the future of your business. Business property insurance protects your business' physical assets against loss or damage from a wide range of causes including fire, theft, smoke, water, and vandalism.
Commercial property insurance covers a wide variety of property, including equipment, inventory and supplies, office furniture and fixtures, computers, and electronics. Personal and customer property kept at the business site is also covered.

While you may not think that your business will be the victim of a crime, don’t wait until it is too late. Evergreen Insurance offers crime insurance that protects your business from many different types of crime, including, theft, vandalism, forgeries and employee dishonesty.
Instead of wasting time and money trying to reconcile your losses, trust Evergreen to help you get your business back on its feet quickly. Contact us today to learn how our crime policies cover you from internal and external crimes.

Whether it’s paper or electronic, a business is liable in the event of a data breach involving lost or stolen information. Companies that maintain employee or customer social security numbers, credit card details, health information, bank account information and other private information are especially at risk.
At Evergreen Insurance, we recommend Cyber Liability insurance as part of nearly every client’s insurance program. Insurance premiums will be a fraction of the costs of defending, monitoring, investigating and managing the cyber liability crisis. Evergreen will work with you to determine your exact cyber liability insurance needs.

With more strict corporate governance guidelines and complex legislation, the risks and responsibilities of directors and officers is ever increasing. Directors and Officers Liability Insurance is an extremely effective way of ensuring a level of protection against the potential costs of defending a court case, regulatory investigation or the settlement of a claim. Failure to purchase this coverage can be costly for businesses and put the personal assets of directors at risk.

Employed lawyers insurance can cover the general counsel of a company, other staff attorneys and, in some cases, legal assistants and paralegals Some policies cover attorneys who are not employed by a company but who are acting on behalf of the company pursuant to a written agreement. The need for such a policy arises from the fact that both commercial general liability and directors and officers liability policies generally exclude coverage for the acts of professionals, including attorneys who work for corporations.

Employment Practices Liability Insurance coverage protects an employer against employment practices liability claims of discrimination such as race, age, sex, disability, wrongful termination, and sexual harassment. Many businesses are not aware of this growing exposure and overlook the potential catastrophic loss they could face from an claim since most general liability insurance policies exclude employee related claims.
An employer can do everything by the book and still be hit with an employment related lawsuit. Employment Practices Liability Insurance is critical to protecting employers from unforeseen defense expenses which can have a significantly negative effect on the employer’s bottom line.

Environmental insurance is a risk management tool for commercial entities to transfer their risk to the insurance company for potential clean up costs or liability related to environmental conditions at a property or project. Environmental insurance coverage is not restrictive and may not be as expensive as you might think. Policies are usually flexible and coverage can be customized to address your specific needs. There are a wide range of possibilities available that can fit your budget and eliminate or mitigate risk.

Errors and Omission (E&O) insurance covers your legal costs arising from any errors or omissions you or any of your employees make that results in a loss for a client or a customer of yours. E&O insurance is available for a range of different professions. For medical practitioners, like doctors, it is often called malpractice insurance. For other professionals, like lawyers and architects, it is called professional liability insurance. However, all businesses can benefits from this type of coverage. With E&O insurance, you can have peace of mind knowing that your company is protected against a variety of claims.

Excess liability coverage provides you with an extra layer of security in the case that your business is named in a catastrophic lawsuit. Excess liability insurance provides coverages above and beyond the limits of an umbrella policy. Let the experts at Evergreen help protect you and your assets with additional insurance protection.

Floods can happen anywhere and at any time. They are the world's number one natural disaster.Yet according to the National Flood Insurance Program (NFIP), more than 50 percent of properties in high-risk areas in the United States remain unprotected by flood insurance and between 20 percent of all flood claims come from low-risk areas throughout the country.
Your business does not need to be in a flood zone to be at risk. Business insurance policies do not cover flood damage. Evergreen Insurance offers affordable business flood insurance backed by the federal government’s National Flood Insurance Program (NFIP). We can help you obtain this very important coverage at a reasonable cost.

Any business that owns or rents real estate, travels to visit clients, manufactures goods or provides services to its clients will have a general liability exposure. General Liability polices give you coverage for property damage or bodily injury for which you are legally liable. In addition, this policy is designed to cover other costs such as attorney fees, court costs and other expenses associated with a claim or the defense of a lawsuit. Evergreen Insurance will work with your business to determine your general liability needs.

Designed to mitigate business losses while providing opportunities for business growth, surety bonds encourage cash flow without the restrictions and risks associated with alternatives. Evergreen Insurance offers bonds covering a wide range of industry needs and levels.
Whether you’re a contractor looking for a complex bid bond or a business owner in need of a simple license and permit bond, Evergreen is here to help.
Some of the types of bonds we can provide include Contract, Commercial, Fidelity and Financial Institution Bonds.

Umbrella Insurance provides additional liability coverage above and beyond the limits of your business insurance. The cost of this policy is very reasonable for the coverage and peace of mind provided. Umbrella policies can broaden the coverage of your other policies as well. Evergreen Insurance can help tailor your commercial umbrella policy to fit the needs of your business. Please call us for a quote.

Workers’ Compensation is a mandatory type of business insurance that provides employees who become ill or injured on the job with medical coverage and income replacement. It also protects your business from being sued by employees or former employees for conditions that caused an injury or illness. Worker’s Compensation can also provide a deceased worker’s family with financial benefits. Failing to secure workers compensation insurance can result in severe penalties.