Business Insurance

In Ohio, Builder’s Risk Insurance is designed to protect buildings while they’re under construction. Once a building is complete, it’s normal for the owner of that structure to insure it against losses such as fire, wind and lightning damage. However, during the course of construction, who should insure the building? The future owner, even though [...]

What Ohio business owners need to know: Business Income Insurance, also referred to as Business Interruption Insurance, is designed to cover the loss of income a business suffers after a disaster. It’s important to note that whatever disaster causes the business to lose income must be a covered claim before Business Income Insurance will respond. [...]

In Ohio, Business Liability Insurance forms the foundation of protection for most businesses and their insurance portfolio. This policy, often referred to as Commercial General Liability Insurance, or just General Liability (GL for short) protects businesses from most liability exposures, with the exception of auto and professional services. Nearly every business faces the risk of [...]

Business Owners Insurance, or BOP (short for Business Owners Policy), is specially designed for small to medium-sized businesses in Ohio. One of the most attractive features of this policy is the fact that it combines property and liability coverage together on one policy form, often resulting in a more cost-effective premium. Typically, these two coverages [...]

Commercial Auto Insurance can be used to insure vehicles for liability to protect the business owner in the event of an at-fault accident, physical damage to the vehicles owned by the business, or both. With the exception of auto dealerships, auto repair operations, trucking firms or other auto-related businesses, Commercial Auto Insurance addresses the needs [...]

One size does not fit all, and this couldn’t be truer in the Ohio insurance market. Since each business is unique and has individual needs and desires regarding their insurance protection, the Commercial Package Policy is available. This policy was designed to afford business owners the opportunity to select from a suite of coverage options [...]

Weather is hugely unpredictable in Ohio; we’ve had our share of catastrophes from hail events to the aftermath of hurricanes that made their way through The Buckeye State leaving a path of wreckage. When fire, theft, wind, hail, lightning or other disaster strikes your business, you need to be prepared. The time to act is [...]

Bonding needs in Ohio typically fall into several categories. Surety bonds needed by contractors in order to successfully win the desired project; commercial bonds that protect consumers from financial harm (license & permit bonds, public official bonds); and fidelity bonds, which function more like an insurance policy because they’re designed to protect the business from [...]

As an Ohio business owner, if protecting your organization from a potentially ruinous claim or lawsuit is one of your top priorities, you need to understand how an Umbrella Policy works. Most commonly, these policies provide coverage above & beyond that which is provided by your other liability policies (think Business Liability and Auto Liability). [...]

As most Ohio business owners know, the risks facing your business seem to be increasing… almost on a daily basis. If crime exposures aren’t on your mind, here’s why they should be. Crime is a simple word for a multitude of dishonest acts, and you need to be prepared. Crimes can range from a simple [...]

Do you know the most popular password on the internet? Would you believe it’s Password123? Just the thought of a breach of the personal information stored for clients or employees is so overwhelming, many business owners choose to ignore the risks and consequences. Don't wait until it's too late, there is much you can do [...]

In most states, Employer’s Liability Insurance and Workers’ Compensation Insurance work hand-in-hand. However, in Ohio, business owners that have any employees are required to purchase workers’ compensation insurance from the Ohio Bureau of Workers’ Compensation. Employer’s Liability Insurance is purchased separately, often along with the General Liability policy. This coverage protects the business from a [...]

In Ohio, Directors & Officers Liability Insurance (sometimes referred to as D&O Insurance) is designed to protect the directors and officers of an organization. In addition, D&O insurance can also help protect the organization in the event of a lawsuit. Directors and Officers liability insurance is like professional liability insurance. It covers managerial decisions, not [...]

Ohio business owners can be liable to their employees for errors or omissions in the administration of their employee benefits program. Even small clerical errors, such as failing to enroll a new employee in the company-sponsored health plan, can have severe consequences. These types of claims are not covered by an unendorsed Business Liability Insurance. [...]

Ohio businesses are increasingly dependent on functioning equipment to operate and maintain revenue, and a breakdown could be devastating. The threat of breakdown is increasingly prevalent because technologically advanced equipment tends to be sensitive and fragile, and can easily sustain damage that causes a breakdown. And the losses sustained continue to increase with the rise [...]

In Ohio, employees have certain legal rights while working for their employer and sometimes, an employee feels these rights have been violated. If the employee files a lawsuit alleging things such as sexual harassment, discrimination, wrongful termination or breach of an employment contract, Employment Practices Liability Insurance can help protect the financial assets of the [...]

Businesses face new and historical environmental pollution exposures that can damage property and company reputations. Whether the damage is sudden or gradually occurs over time, no business can risk being inadequately protected against environmental threats. Almost every business deals with pollutants of some kind, especially when you consider that the term “pollutant” covers such a [...]

Let’s face it, we live in an unpredictable world. Things happen, and when they do, our plans can change. When you’re the one responsible for ensuring everything goes according to that plan, changes can cause stress… and a negative financial impact… which causes even more stress. Relax! We can help. Whether it’s liability coverage for [...]

Farm Insurance in Ohio can provide you with protection for your personal and business needs. A farm is often more than just a place of operation, it may also be your home. No matter what your unique needs are, CoverLink has the coverage for you. Farm Insurance Needs Whether you raise crops, livestock, rent, or [...]

If your business is on the Ohio River, or near any body of water for that matter, chances are you’ve researched flood insurance… or at least thought about it at some point because you’re in a high hazard area that’s prone to flooding. But did you know that nearly 20% of flood insurance claims come [...]

When you drop off your car at an auto repair garage, you not only expect it to be fixed, but you expect it to remain safe while in the custody of the business. A general liability policy does not cover damage to vehicles that do not belong to the insured party. This is where garagekeepers [...]

You wouldn’t think of Marine Insurance being very valuable in landlocked Ohio, but the term has been used for years to describe certain types of property that are moveable – yes, dating back to the days where this property was moved overseas.  Today, Inland Marine Insurance is a hugely broad category used to insure contractor’s [...]

Ohio landscape insurance is necessary for businesses for protection against risks in the event of property damage, accidents, and more. Liability insurance for landscapers will give you and your workers the security you need. Why Purchase Landscape Insurance? Landscape insurance is one way for you to get the liability and protection you need for your [...]

In Ohio, Professional Liability Insurance, also known as Errors & Omissions (E&O) Insurance, is liability insurance designed to protect those individuals and businesses providing professional advice. In the insurance world, Business Liability Insurance exists to pay for bodily harm or property damage a business is responsible for causing while Professional Liability is protection in the [...]

In Ohio, Workers’ Compensation Insurance must be obtained from the Bureau of Workers’ Compensation instead of from the insurance company where you purchase your Business Liability, Auto Liability and other insurance policies. The premise of Workers’ Compensation insurance is to reimburse the injured employee for lost wages and medical expenses resulting from an on-the-job injury [...]