Basic property and casualty insurance is the right place to start; then add the coverage you need to keep your business thriving through breakdowns, lawsuits or more.
To protect your business property, income and financial assets, you’ll want a Business Owner’s Policy which combines important coverages into one (or you can have individual coverage per your needs), including:
LUCENT offers Workers Compensation Insurance. Worker's compensation insurance, also called workers' comp insurance, helps cover medical expenses and lost wages for business owners if an employee is injured or becomes sick. This coverage can include rehabilitation services and death benefits too.
LUCENT offers Business Auto Insurance, which helps cover you and your employees if you’re in an accident while driving for work.
LUCENT offers Cyber Liability and Data breach insurance for help covering the costs of responding to and managing data breaches. We can even help you with strategies to prevent them from ever happening.
LUCENT offers Professional liability Insurance/Errors, Omissions coverage and Medical Malpractice coverage.
LUCENT offers Builders Risk coverage. If you are a builder, or property owner building a home or other structure, there is coverage that can be tailored to your needs at each step of the construction process.
LUCENT offers Federal and Private Commercial Flood Insurance. Commercial Flood Insurance protects one of your biggest investments–your business–from damage caused by rising water. Floods often strike without warning‐destroying buildings, equipment, and inventory. If that doesn’t sound serious, you should know:
*not limited to
Hiscox US Assure
Guard/Berskshire Hathaway AmTrust
The Hartford Employers
Chubb National General
CNA One Beacon
Liberty Mutual Seneca
Tokio Marine Lloyd's of London
5 Star Specialty Allianz
Zurich Palomar Specialty