For over a decade, Trevor Hickman Insurance & Insurance has been a trusted provider of business insurance for companies in the Lake City area.
Your business has taken years to become stable and profitable, but if you’re not properly insured, it takes just one lawsuit to put you out of business. Whether it’s a property claim or a liability issue, business insurance can save your bottom line.
Trevor Hickman Insurance & Insurance will help you manage your total cost of risk. Every business is unique, and requires different types of business insurance. A professional risk management approach includes more than just insurance.
According to the 1997 Economic Survey by the American Property Law Association (IPLA), the median cost of litigating a patent infringement lawsuit through trial can range from $300,000 to $3 million.
Why Business Insurance?
- Protect your your building and its contents from disaster.
- Covers equipment break down.
- You lose income due to business interruption.
- Injury of an employee in an on-the-job accident.
- sexual harassment incidents.
- A customer is injured by a product you manufactured.
- Slips and fall on your premises.
- You need a surety bond for a job.
As you can see, business insurance protects your operation from a vast array of exposures.
As an independent insurance agency, we represent a large selection of “A” rated carriers so you can rest assured that your business is protected with trustworthy, reliable coverage. We can service your unique coverage requirements including property, liability, workers’ compensation, business interruption, employee benefits, professional liability, errors and omissions, surety bonds and more, so you can get all the protection you need in one convenient place.
Other Lake City Business Insurance Services:
Loss Control Programs
Our relationships with major insurance companies, gives us the ability to evaluate your business’s current conditions and recommend ways to lower property, auto, workers’ compensation or liability losses. Lower losses will lower your insurance costs, and increase your productivity by avoiding downtime.
Quick Claim Response
When you do have a claim, you need fast service. As independent agents we work to make that happen. That’s because we have screened our partners to demonstrate excellent records for settling claims fairly and promptly.
We know who specializes in specific types of businesses or industries, offering special coverage and pricing. To see if your business qualifies for one of these special programs, contact us for more information.
Business Insurance, includes property insurance, liability, commercial auto, workers compensation, group health, life, disability income, “key man” insurance and others.
Business Owners Policy (BOP)
Property & Liability Insurance
Commercial Vehicle Insurance
• Property Insurance
• Liability Insurance
• Business Interruption
• Excess Liability / Commercial Umbrella
• Commercial Automobile
• Fleet Commercial Automobile
• Garage Automobile
• Non-Owned Automobile
Miscellaneous Commercial Insurance
• Professional Liability
• Errors & Omissions Liability
• Directors and Officers Liability
• Pollution Liability
• Marine Liability
• Ocean Marine / Hull & Cargo
• Boiler & Machinery
• Libel & Slander
• Special Event
Business Life Insurance, Disability & Benefits
• Disability Insurance
• Funding of Buy-Sell Agreements
• Key Man Coverage
• Group Benefits
Home-Based Business is a major trend in America today, and at Trevor Hickman Insurance, we can verify that your potential liabilities are adequately covered by either your Homeowner’s Policy or your Business Policy. This depends on your unique situation. Homeowner’s Policies often have “sublimits” restricting coverage for business property. For instance, the Homeowner’s Policy may cover business property, but typically only up to $2,500 while it is “on premises” and up to $500 while the property is “off premises.”
Business Owner policies do not include professional liability coverage, automobile insurance, workers compensation, medical insurance and disability insurance. All can be covered with separate policies.