Commercial liability insurance is the business owner’s first line of defense against financial losses in the case of a third-party claim. Our insurance packages will safeguard you and your business from costly lawsuits, including fees incurred from third party compensation, legal defense fees, and settlement charges.

Our policies cover a variety of different claims, including:

• Bodily injury
• Property damage
• Product liability
• Personal and advertising injury
• Medical expenses
• Cyber protection
• And much more!

As a service provider, you face many risks every day. Our team seeks to address them all during our comprehensive consultation process.

When you book an appointment with us, we’ll meticulously go through the details of your business, using our in-depth industry knowledge to identify your liabilities one by one. Some of the factors we’ll use to determine your risks are:

• Location
• Industry
• Service
• Revenue

From there, we’ll work collaboratively with you to put together a personalized coverage strategy that will both cover your liabilities and fit your budget. We’ll offer you our candid, professional advice on the policy limits we think are appropriate, and how best to keep your premiums at their lowest.

Rest assured, we’ll walk you through the fine print of your plan so that you fully understand it and are entirely comfortable. Remember, our consultations are 100% obligation-free. Our goal is to give you the information you need to make an educated decision with confidence.

We don’t work with just one insurer, which means that we consistently deliver some of the lowest prices on the market. We compare several commercial general liability insurance plans from multiple reputable insurers, selecting only the best-value packages that will suit the needs of our clients.

At Andy Urso Enterprises Ltd, you can count on our support whenever you need us. If you need to submit a claim, you can rely on our wholehearted assistance. Our agents have extensive experience in the claims process so that we can walk you through all the essential steps to a satisfactory resolution.

We recognize that dealing with a lawsuit is a trying experience. We do everything in our power to take the stress off your shoulders. Our far-reaching experience and meticulous approach ensure that we don’t overlook any details along the way.

From start to finish, we’ll advocate on your behalf to get the most out of your claim.

We recommend this broad-based policy as the primary protection for businesses. It covers general business liability risks. Even a small accident can result in serious financial risks for any business. Commercial liability insurance offers protection against potential liability claims.

We can all imagine sudden events such as disasters and losses that can shut a business down. Such events can force permanent closures. Helping to cover business income loss, this type of insurance allows you a much better chance of recovery.

Does your business make or sell products either in a store or online? If so, this type of insurance covers you against losses that may occur as part of your business activities.

These recent threats have become all too common. Data breaches and cyber threats can have serious consequences for businesses. This insurance offers protection against these invasive threats.

Lawsuits can be expensive and can threaten your reputation. This is especially relevant for businesses that provide professional, creative, or digital services. This insurance helps deal with potential lawsuits.

Umbrella policies are advantageous to business owners for several reasons. For one, they are a relatively inexpensive option to get significant coverage, without raising the premiums in your existing policies.

Plus, the coverage provided in an umbrella plan can work in conjunction with a variety of policies, making it more flexible than other standard packages. For example, an umbrella policy can provide coverage when you exceed the limits of:

• General liability insurance
• Hired and non-owned auto liability insurance
• Employer’s liability insurance
• and much more

Go above and beyond standard coverage. Protect your business with the very best: our commercial umbrella policies will give you that added layer of protection when you need it most.

Commercial umbrella insurance isn’t a stand-alone option. It works as a supplementary source of coverage for existing insurance plans. When considering whether an umbrella plan is right for you, it’s important to assess how effective the policy will be when paired with the coverage you already have. That’s where our experts come in. We provide our clients with unparalleled industry knowledge and insight so that they can capitalize on the best-value policy for their unique situation.

When it’s convenient for you, we’ll sit down with you one-on-one to evaluate the liability risk and needs of your business. Some of the factors we will take into account are:

• Limits
• Cost
• Scope of coverage
• Policy period
• And more

The goal of umbrella insurance is to stand in the gaps in your current coverage. However, sometimes, business owners who don’t do their due diligence end up paying for coverage that’s virtually identical to what they already have. Our experts will help you avoid this mistake. We’ll meticulously comb through your existing policies to make sure your umbrella will fill the holes in your overall coverage. The result is, we’ll develop an intelligent, cost-effective strategy tailored to your business and industry.

If you need to use your business umbrella coverage, you can count on our team to provide comprehensive claims assistance. We’ll guide you through the process of submitting a claim for:

• Legal fees
• Medical bills
• Damage expenses
• And more

You’ll appreciate the professional, compassionate demeanor of our claims assistance team. We go above and beyond to advocate on your behalf for your best possible outcome. From start to finish, we’ll be by your side to process the claim and resolve the issue at hand.

As a business owner, not only is workers’ compensation insurance mandatory by law, but it is also invaluable. If one or more of your employees are injured on the job, workers’ comp will pay for their medical care and physical rehabilitation, as well as their lost wages. Not to mention, this insurance can also protect you, the employer, from being sued.

But where do you find this coverage? That’s where our workers’ comp insurance company comes in. We offer far-reaching, wide-ranging insurance options that will lend themselves to a safe worksite full of confident, protected employees. Our workman comp insurance policies can include:

• Medical care
• Physical rehabilitation
• Vocational rehabilitation
• Temporary disability benefits
• Permanent disability benefits
• Supplemental job displacement benefits
• and more

With our extensive list of inclusions, you can rest assured knowing that in the case of a workplace accident, your employees will have immediate and effective access to medical treatment and salary compensation. 

To find a plan that’s right for you, we’ll sit down with you one-on-one, or speak with you over the phone, during a no-obligation consultation.

Drawing from our many years of industry knowledge, we’ll evaluate the liabilities of your business and field of work. From there, we’ll work collaboratively with you to create a protection package that fits your needs and budget.

Exceptional Customer Service

As a workers’ compensation company, we know the packages we offer may very well be a lifeline to an injured employee. Since our service is of such importance, we take every precaution to ensure our coverage plans are reliable. We carefully select our partnerships with insurance carriers. We compare and contrast their policies with all others available to make sure that we’re offering only the very best packages on the market.

But our responsibility doesn’t stop there. At Andy Urso Enterprises Ltd, we believe our duty extends to claims assistance. In the case of an unforeseen incident, you can always reach us by phone to address any of your questions or concerns. We’ll walk you through the process of filing a claim with your insurance step-by-step until the case is resolved.

Complete insurance plans. Complete customer service.

No two businesses are the same, so neither should their insurance plans be. Our company doesn’t offer cookie-cutter solutions—we tailor our services to meet the needs of your unique business. To achieve this, we sit down with our clients for an in-depth consultation process.

Our knowledgeable representatives will walk you through the different components of your insurance plan, modifying them to fit the needs of your business operations. Some of the things we will discuss are:

• Automotive liability
• Medical payments
• Uninsured/Insured motorist coverage
• Physical damage coverage
• Roadside assistance
• Rental reimbursement

Whether your commercial enterprise utilizes a single vehicle or an entire fleet of heavy-duty trucks, we’ll find the perfect insurance solution that works for your business and your budget.

Since we don’t provide one-size-fits-all insurance packages, the cost of your insurance will vary depending on the kind of coverage you choose. We’ll determine the overall cost of your insurance based on several factors, including:

• Business location
• Deductible amount
• Automobile type
• Vehicle condition
• Number of drivers
• Driving records
• Claims history

Our specialists will work closely with you to put together a premium coverage plan at the lowest possible price. But don’t just take our word for it. See for yourself—ask us for a no-obligation quote today.

When we understand the extent of protection you need on the road, we’ll put together a no-obligation quote for an appropriate insurance plan. We do this for our clients obligation-free because we’re confident you won’t find better value for less.

Our insurance advisors have years of first-hand experience in the field. You can count on us to provide expert, candid advice with your best interests at heart. We’ll introduce you to your options and explain them all in detail so that you can make an informed decision in full confidence.

Client-Focused Commercial Auto Insurance Company

We don’t stop at selling the best commercial auto insurance plans in the area. As a full-service insurance company, we provide comprehensive customer support, too.

If you need advice or assistance with any aspect of your insurance, we’ll be there. If you need to submit a claim, we’ll help you navigate the process step by step. If your plan is about to expire, we’ll walk you through a straightforward, no-stress renewal.

The bottom line is, at Andy Urso Enterprises Ltd, we’re with you for the long haul.

Emergencies happen. When they do, you want to be sure your business can recuperate from its losses and resume daily operations as quickly as possible. We’ve earned ourselves a reputation as the one-stop shop for small business owners in the area. With us, you’ll find all your insurance needs in one place. Our plans can protect you in the case of:

• Fire
• Wind and hail damage
• Pipe damage
• Theft and burglary
• and more

Be prepared in every situation. Our team will put together a premium policy that fits your business and your budget.

Insurance policies can vary greatly, which is why we take the time to get to know our clients during our one-on-one consultations. We seek to understand the precise needs of your business. You can expect our knowledgeable advisors to ask several questions that will help us determine the sum of your assets. We’ll leave no stone unturned, not only accounting for your property, but also your inventory, office equipment, and outdoor signs, sheds, and fences. We’ll also assess your business’ location, construction, and occupancy.

Using our industry expertise and state-of-the-art analytical software, we’ll then determine the replacement cost of your assets, should they be lost, and create a customized plan that will cover you in the case of an unforeseen incident.

Our clients appreciate our honesty and professionalism. We’re not out to oversell or overcharge—we do business the old-fashioned way—delivering quality service at a fair price. You can expect us to lay out all your options in front of you and explain each of them to you in detail. We’ll inform you of everything you need to know to make an informed decision.

Our company is a full-service company, meaning we don’t stop at merely selling insurance.

When you need to submit a claim, our team will be behind you 100%. We’ll help you prove your loss by meticulously completing your request with every essential detail of the incident. We’ll also outline what you can expect from the claims process and answer any questions you may have. Our team will advocate on your behalf from start to finish and take care to handle the claim to your satisfaction.

Service-based professionals require more in-depth insurance than is normally found in commercial general liability plans. Professional liability insurance stands in the gap and protects professionals from claims against them regarding errors, omissions, or negligence in their performance. Even if the allegations are false, having insurance is essential to cover the legal fees that will be required to defend your reputation.

Virtually any professional that provides services or advice to clients is liable to errors, omissions, and negligence lawsuits. Some common examples of the types of professions that need insurance are:

• Financial consultants
• Medical professionals
• Lawyers
• Engineers
• Software developers
• And more

While our plans may differ based on your trade and industry, our policies will protect you from:

• Professional negligence
• Misrepresentation
• Loss of documents
• Libel and slander
• Inaccurate advice

Your liabilities as a professional will depend on the nature of your profession. Our insurance brokerage recognizes that every client’s needs are different. That’s why we take the time to get to know our clients during our no-obligation, one-on-one consultations.

We’ll sit down with you and ask you questions to evaluate your financial liabilities step-by-step. Then, using our state-of-the-art analytical software and our years of hands-on industry experience, we’ll put together a policy uniquely tailored to you. Our consultants are knowledgeable and personable. We’ll share with you our candid, expert advice on choosing a policy limit appropriate for your business.

From definitions, inclusions, and exclusions, we’ll make sure you have a firm understanding of your policy’s terms before you sign a contract. When you’re fully satisfied with the plan, we’ll provide you with an accurate cost breakdown.

We understand that dealing with a lawsuit can be a stressful experience. Thanks to our longstanding presence in the industry, we are uniquely positioned to help our clients through the claims process.

During our time in the business, we’ve helped countless clients navigate cases of all scopes and sizes. As a result, we have in-depth insight into the administrative procedures of all types of claims, so we can walk you through whatever situation you’re facing calmly and confidently.

Ultimately, we’ll advocate on your behalf to get the best possible outcome.