Contact Us: ​(919) 569-5777
Birkner Insurance, LLC
  • Quotes
    • Auto Quotes >
      • ATV Insurance Quote
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Workers Compensation Quote
      • Home Business Insurance Quote
    • Farm & Agriculture Quote
    • Health Quotes >
      • Health Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Contact My Carrier
    • Online Documents
    • Free Consultation
    • Client Center
  • Products
    • Motor Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Workers Compensation
      • Home Business Insurance
    • Farm and Agriculture >
      • Hobby Farm Insurance
      • Farm Owners Insurance
      • Equine & Livestock Insurance
    • Health >
      • Health Insurance
    • Life/Financial >
      • Life Insurance
    • Other >
      • Boat Insurance
      • Event Insurance
      • Umbrella Insurance
  • Insurance Tips
  • About
    • Insurance Carriers
    • Staff Directory
    • Videos
    • Agency Photo Gallery
    • Client Testimonials
    • Refer a Friend
    • Accessibility Statement
    • News
  • Contact
  • Quotes
    • Auto Quotes >
      • ATV Insurance Quote
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Workers Compensation Quote
      • Home Business Insurance Quote
    • Farm & Agriculture Quote
    • Health Quotes >
      • Health Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Contact My Carrier
    • Online Documents
    • Free Consultation
    • Client Center
  • Products
    • Motor Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Workers Compensation
      • Home Business Insurance
    • Farm and Agriculture >
      • Hobby Farm Insurance
      • Farm Owners Insurance
      • Equine & Livestock Insurance
    • Health >
      • Health Insurance
    • Life/Financial >
      • Life Insurance
    • Other >
      • Boat Insurance
      • Event Insurance
      • Umbrella Insurance
  • Insurance Tips
  • About
    • Insurance Carriers
    • Staff Directory
    • Videos
    • Agency Photo Gallery
    • Client Testimonials
    • Refer a Friend
    • Accessibility Statement
    • News
  • Contact


Business Insurance

Having the proper business insurance coverage at an affordable rate can make the difference between the success and failure of your business. Allow our commercial insurance experts to help guide you to success.

get a quote
Contact Us

What is Business Insurance?

Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. 

Business Insurance is a broad name for different coverages available to the business owner to protect against losses and to insure the continuing operation of the business. 

Major Types of Business Insurance

General Liability Insurance 
  • A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.
Commercial Auto Insurance
  • Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions.
Commercial Property Insurance
  • Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured’s possession. Coverage can be provided on an all risk or specific perils basis.
Commercial Umbrella Insurance
  • Commercial Umbrella insurance is liability coverage that is in excess of specified other commercial insurance policies and also potentially primary insurance for losses not covered by the other policies. When an insured business is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy).
Professional Liability Insurance
  • Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless. 
Business Owner's Package
  • A Business Owner's Package (often called a BOP) is an insurance policy that combines protection from all major property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.
Workers Compensation
  • Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Group Health Insurance
  • Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees. 
Group Life Insurance
  • Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group.
Group Disability Insurance
  • Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).
Supplemental Insurance
  • Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover.

Different Classes of Bonds

  • Commercial Surety Bonds — RLI Commercial Surety provides bonding solutions to public and private companies across a diverse group of industries.
  • Contract Surety Bonds — RLI Contract Surety supports experienced small and medium sized contractors for their performance and payment bond needs.
  • Energy Bonds — The RLI Energy underwrites traditional oil & gas as well as renewable energy industries.
  • Miscellaneous Surety Bonds — RLI Miscellaneous Surety writes license and permit bonds, judicial bonds, public official bonds, fidelity and smaller contract bonds.

Contact us to learn more about the right business insurance for you.
(919) 569-5777
PO BOX 778
Rolesville, NC 27571
Click Here to Email Us
Business Insurance Quote
Get a business insurance quote

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

Birkner Insurance, LLC
PO BOX 778
Rolesville, NC 27571
919-569-5777
Click Here to Email Us

Location

Website by InsuranceSplash