COMMERCIAL INSURANCE COVERAGE OFFERED BY JONES-STEPHENSON INSURANCE AGENCY

Jones-Stephenson Insurance understands that your business is your livelihood.  We know the peace of mind that comes with face-to-face, personalized service that only a local agent can provide.  Regardless of what type of business or profession, we can offer insurance coverage tailored to suit your specific needs from a variety of established and secure companies such as Cincinnati Insurance Company, Grinnell Mutual Reinsurance Company, Celina Insurance, and Progressive Insurance.   

Commercial Property

No matter what your business, we can insure your building or place of business and business personal property against damage from catastrophe, accident, or theft.  Coverage includes outdoor signs, interior glass, damaged locks, fences, indoor and outdoor fixtures, awnings and canopies, stock, merchandise, machinery, furniture, and/or personal property others have left in your care.  Cleaning up and starting over can seem overwhelming, but we’re here to help you get back on track with replacement of lost income due to the event, fees associated with clean up, appraisals, demolition, and/or reconstruction.

Commercial Auto

Whether your company uses sedans, pick-ups, SUVs, vans, or trucks to transport goods or people, you can be assured that automobiles of any size or weight and the employees who drive them will be covered.  With commercial automotive insurance, you can also be insured for higher limits than with a personal auto policy.  Jones-Stephenson Insurance may also be able to cover all of your vehicles on one policy, saving you time and money.  We can customize a policy to fit your business needs.

Commercial Liability

Jones-Stephenson Insurance can help you make sure you have sufficient liability insurance for today’s fast paced world.  Commercial liability covers instances of customer or employee accidents and injuries, personal and advertising injury, products and completed operations and defense costs, and much more.    

Commercial Umbrella

A commercial umbrella policy provides coverage when a serious liability claim exceeds the limits in your current liability policy and your business or personal assets may be at risk.  This type of policy gives you broader coverage than a primary policy and defense coverage when a claim or suit is not covered by an underlying policy or when the limits of liability have been exhausted.  You rest assured knowing a commercial umbrella policy from Jones-Stephenson Insurance will provide you with an extra level of liability coverage to protect your assets.

Business Life & Health 

We understand that your employees are critical to the success of your business. Jones-Stephenson Insurance can help you provide benefits such as payroll deduction life insurance, executive benefits, key-employee protection, business continuation, disability protection, business overhead expense protection, and retirement savings to cover you and your employees.  Discover affordable health benefits and insurance plans that are easily customized to meet your needs. You can choose from a variety of options, like traditional or consumer-directed plan designs.

Bonds

As a business owner, you may need a surety bond to guarantee payment for state sales taxes or utility bills, or as a contractor, you may need to post a license or permit bond to guarantee your work for licensing requirements with municipalities. Jones-Stephenson Insurance can assist you with your bonding needs.

All policies are subject to company underwriting approvals.