Commercial & Business Insurance

When something happens – a fire, water damage, or other events – it’s critical to have the right insurance coverage to ensure your business doesn’t miss a beat. Meridian Insurance has the commercial and business insurance solutions you need to keep your business moving.  As a Broker we are able to do the shopping for you. Whether you own a Coffee shop, dry cleaners, automotive shop, or any other business we have the carrier base to make sure you have the correct policy in place to protect your business.

Meridian Insurance brings the experience you need find insurance coverage that’s tailored to your property, liability, and casualty needs. We’ll also be proactive in identifying any factors that may increase your premiums or change your risk, and provide guidance to help you protect your business for the long term. As your business grows we I will be there to make sure we have the proper insurance coverage you’re your Business.

You do business all year long, so you’re open to liability all year long. Running your business gives you enough to worry about without having to worry about whether your commercial insurance is providing enough coverage. Meridian Insurance will help you find the best coverage for your business, protecting you from bodily injury claims, property damage, and/or liability claims. We offer a wide range of products from the best carriers in the industry, including general liability, property insurance, umbrella policies and commercial vehicle insurance.

Professional Liability insurance, also known as Errors and Omissions (E & O) Insurance, provides protection against claims that the policyholder becomes legally obligated to pay as a result or an error or omission with respect to professional duties. Professional Liability may be a standalone policy or combined with a General Liability. In addition to legal defense costs, the insurance covers judgments and the costs of settling the claim up to the policy limits.

As a general contractor, you’re responsible for everything that happens on the job site, from start to finish. And if the work isn’t up to par… That’s right – you’re responsible. Meridian Insurance offers contractors insurance solutions that can address your liability concerns, no matter the size or scope of the project. We have relationships with premium carriers, so you’ll have the confidence and peace of mind that you have the coverage you need, no matter how unique your risk exposures.

Meridian Insurance is the only call you need to make for surety bonds, license & permit bonds. When you work with us, we’ll make sure your work won’t be delayed due to lack of proper documentation, because we’ll do everything we can to ensure that the processing of your bond is expedited.

Unfortunately, crime and employee dishonesty happens. When it does, there’s a lot of peace of mind that comes from knowing you’ve got crime insurance that has you covered. Meridian Insurance will help you put the right coverage together to ensure that you’ll protect your business and assets at the right level. Depending on your specific needs your crime insurance can cover you for situations including robbery, fraud, forgery, digital crimes and more.

Umbrella insurance provides additional liability coverage above the limits of your business insurance policies, and protects against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage. The umbrella policy serves three purposes: it provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims; it drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and it provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).