HUWEL LOVE US

HUWEL LOVE US

Business Insurance

Running a business can be stressful enough. When it comes to properly insuring your business, you don’t want to find it you’re not properly covered when a crisis arises. At Huwel Insurance, we take the time necessary to understand every facet of your business and propose the best coverage available. We’ll identify key areas you may be overlooking as well as ways to save money with a more comprehensive strategy. We proudly represent over a dozen top-rated carriers, allowing our team to find the best price for the coverage you need. This includes several specialty carriers who may cover areas unique to your industry. Our office is conveniently located in O’Bryonville and we’ll gladly meet with you at your location. Our dedicated team has decades of experience in the insurance industry and our client-focused approach sets us apart from everyone else in the Tri-State!

Business Insurance

Running a business can be stressful enough. When it comes to properly insuring your business, you don’t want to find it you’re not properly covered when a crisis arises. At Huwel Insurance, we take the time necessary to understand every facet of your business and propose the best coverage available. We’ll identify key areas you may be overlooking as well as ways to save money with a more comprehensive strategy. We proudly represent over a dozen top-rated carriers, allowing our team to find the best price for the coverage you need. This includes several specialty carriers who may cover areas unique to your industry. Our office is conveniently located in O’Bryonville and we’ll gladly meet with you at your location. Our dedicated team has decades of experience in the insurance industry and our client-focused approach sets us apart from everyone else in the Tri-State!

We Specialize in the Following Industries

Condo & Community Associations

Contractors & Construction

Distributors & Wholesalers

Professional Services

Manufacturers

Social Services & Non-Profits

Transportation/Trucking

Retail & Restaurants

Technology

Real Estate

We Specialize in the Following Industries

Condo & Community Associations

Contractors & Construction

Distributors & Wholesalers

Professional Services

Manufacturers

Social Services & Non-Profits

Transportation/Trucking

Retail & Restaurants

Technology

Real Estate

Commercial Auto Insurance

As a business owner, you need the same kinds of insurance coverage for commercial vehicles that you do for personal use: liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. This include non-commercial vehicles being used for business. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. Our team will work with you to understand how you use vehicles in your business, who will be driving them and whether employees are likely to be driving their own cars for your business. While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects.

Commercial Auto Insurance

As a business owner, you need the same kinds of insurance coverage for commercial vehicles that you do for personal use: liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. This include non-commercial vehicles being used for business. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. Our team will work with you to understand how you use vehicles in your business, who will be driving them and whether employees are likely to be driving their own cars for your business. While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects.

General Liability

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage. Unfortunately, for every business owner the chances of getting sued continue to increase. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage. General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

General Liability

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage. Unfortunately, for every business owner the chances of getting sued continue to increase. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage. General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Workers' Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer. Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job. In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Workers' Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer. Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job. In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

HUWEL INSURANCE AGENCY PARTNERS

As an independent agency, we are proud to represent over a dozen insurance carriers allowing our team to find the best company to fit your personal and business insurance needs.