Business Insurance

Property Insurance

Property insurance can help reduce the risk of a loss putting a financial strain on your business.

Our professional agents can review your business assets, such as properties, inventory, equipment, and tools. With many commercial insurance companies who offer programs tailored to business owners, Lanz & McArdle Insurance recommends coverage so that you're adequately insured.

General Liability

Liability for businesses can range from general commercial liability coverage to specialized policies such as professional liability (E&O), employment practices (EPLI), and directors and officers (D&O).

So, whether you're looking for additional protection for your business or are being required to obtain coverage by a client, Lanz & McArdle Insurance can provide options for commercial liability insurance for your business.

Automotive Insurance

Business insurance needs are as diverse as the businessowners themselves. Your policy should be tailored to how you're using your cars and trucks for your business. We can find the right coverage for your needs.

From local pizza delivery to large commercial fleets, Lanz & McArdle Insurance offers commercial auto insurance packages to fit your business.

Workers Compensation

Find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you'll see on your bottom line.

The experienced agents at Lanz & McArdle Insurance help your business find complete solutions to your unique workers compensation insurance needs, including services such as innovative payment systems, physician consulting services, and more.

Umbrella Liability

When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not. Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other insurance policies.

Lanz & McArdle insurance advisors can review your business insurance needs and recommend what kind of liability coverage you need to protect yourself and your company.

Bonds

Whether you’re a small business with a variety of bonding requirements, or an individual looking for a specific type of bond, Lanz & McArdle Insurance will work with your business to find products supported by value-added services to commercial banks, savings and loans, insurance companies, finance and loan companies, and credit unions.

Directors & Officers

Directors & officers insurance (D&O) is liability insurance that covers the directors and officers of the company against lawsuits alleging a breach of fiduciary duty. A company pays for this coverage so executives can serve confidently as leaders of their organization without fear of personal financial loss.

Professional Liability

Professional liability insurance provides coverage for professionals and businesses to protect against claims of negligence from clients or customers. Professional liability insurance typically covers negligence, copyright infringement, personal injury, and more. Claims covered by a professional liability policy can include damages caused by things you did and/or things that you should have done.

Inland Marine

Whether you need inland marine insurance to protect against risks on a daily basis or require coverage for a single move, Lanz & McArdle Insurance can help.

Our risk-management experts can assist you in determining what amount of coverage your organization needs to protect your business interests.

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Errors & Omission

Whether you’re a beautician or musician, an accountant or an acupuncturist, our E&O insurance can cover the biggest risks you face while doing your work. With our no-hassle quote form, we can connect you with affordable policies from the insurers who know your business best.

Mistakes can happen, even to the best of us. That’s why Lanz & McArdle Insurance keeps you protected with errors and omissions insurance customized to your exact needs.

Employment Practices

With exposures leading to employment practice claims increasing over the years due to economic conditions, demographics and the ever-evolving legal environment, it is important to protect your bottom line.

Employment Practices Liability Insurance (EPLI) includes coverage for defense costs and damages related to various employment-related claims including allegations of Wrongful Termination, Discrimination, Workplace Harassment and Retaliation.

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Business Interruption

Say a fire damages your business, leaving the building uninhabitable and destroying merchandise just before it was about to ship to customers. Business interruption insurance helps protect against lost income after a covered peril affects a business. Covered perils typically include theft, fire, wind, falling objects or lightning. Be sure to read your business insurance policy documents so you know which perils your insurer helps cover.

Flood Insurance

Flooding is the most common natural disaster in the United States, yet it's not covered under a standard business insurance policy. While not every business is at high risk for flooding, it's important to understand how risk is identified and whether flood insurance is something you should consider.

Let Lanz & McArdle Insurance evaulate your needs and help you decide if flood insurance is advisable. Contact us today to learn more.