UIS is a full service agency with a heavy emphasis on commercial insurance. We have access to a full range of the best regional insurance carriers and national insurance companies. This enables us to provide a wide range of coverage and specialized services for our commercial clients.

The size of our agency, the depth of insurance expertise and the locations of our convenient offices all help to further enhance the incredible service we provide to our commercial clients. We have the market contacts and relationships to get our customers the broadest coverage available at the most competitive price.

Commercial Property

Commercial Property

This coverage is standard to own for every business and can cover property damages such as fire, theft, and some weather damage. Each policy is specific to the business it is written for, as no two businesses are exactly alike, to ensure that proper coverage and protection is in place in case of a catastrophe to the property.

Commercial Auto

Commercial Auto

This coverage protects a business against injuries to other people or properties that employees may cause while driving. Policies may include liability, medical payments, property damage, collision, uninured/underinsured coverage, and coverage for employees who use their vehicles for business.

General Liability

General Liability

This coverage is a standard insurance policy issued to businesses to protect them against claims for bodily injury and/or property damage arising from premises, operations, and products. Policies can also include coverage against advertising and personal injury liability to keep your business protected.

Umbrella

Umbrella

This coverage is an extra bit of protection against catastrophic losses and is generally written over various other policies such as general liability and commercial property. The purpose of an umbrella policy is to provide excess limits when the liability limits are exhausted on other policies, and to provide protection against some claims that may not be covered by the underlying policies.

Inland Marine

Inland Marine

This coverage is to fill in gaps that are present in a commercial property package. Policies cover equipment, products, and machinery while they are in transit over land or that move around throughout the year such as construction equipment. Inland marine coverage is generally broader than property coverage and can be used to reach higher limits of coverage.

Crime

Crime

This coverage was developed to deal with limitations of other policies and extend protection to include fraudulent activities of employees. Policies can include protection against employee dishonesty, forgery or alteration, computer fraud, funds transfer, counterfeit money, and other internal crimes that could possibly occur in any company.

Life

This coverage is meant to provide financial stability to a business that would experience hardships if a certain employee or owner were to pass away unexpectedly. Policies can be formatted in different ways just like any life insurance but are meant to make the transition of a business easier if the policyholder were to die.

 

Cyber Liability

Cyber Liability

This coverage protects businesses from the rising dangers of cyber security breaches and cyber-attacks that are not covered by crime or general liability policies. Cyber liability policies can include protection from lawsuits, credit monitoring costs, third party investigation, and direct losses that result from cyber-attacks.

Management Liability

Management Liability

This coverage is a combination of liability coverages that are combined to better suit the needs of small to medium sized businesses with lower claim frequencies. Policies many times will group together directors & officers, employment practices, fiduciary, professional, and crime liability insurance coverages that are generally sold as separate policies to large companies.

Professional Liability

Professional Liability

This coverage is meant to protect professionals against liability incurred as a result of errors and omissions in preforming whatever their professional service may be. Policies usually only cover economic or financial losses that are suffered by third parties that utilized the policyholder’s professional service and will not include intentional errors. With those in the medical field this is generally known as medical malpractice insurance.

Bonding

Bonding

This coverage is basically a guarantee of performance required for many businesses such as contractors, agencies, janitorial companies, etc. Policies generally help ensure that jobs you are hired to are performed and that the customer is protected against losses done by your employees.

Agribusiness

Agribusiness

This coverage is a very unique combination of liability policies that is meant to protect the very unique risks that are seen in agribusiness. Policies can include coverage on property as well as the unique equipment used in this industry. Also, business income insurance is many times included to provide protection from loss of income due to a bad year or other interruptions.