Life Insurance For Business Owners

Your premature death can seriously impact your business. While it's something you don't want to think about, you want to ensure your business is protected. Protect your business, as well as your family, with life insurance products designed specifically for your business needs and objectives. Also, if you have key employees in your business, there are life insurance plans that will provide financial protections for your business in the event of the death of a key employee.

Disability Insurance For Business Owners

As the revenue generator for your business, becoming sick or hurt and unable to work could be your business's worst enemy. Just think about it - how would you pay your business' monthly expenses, such as rent and utilities if you were unable to work, not to mention the obligations you have with your family at home?

The fact is your business, employees and family depend on you. The right disability insurance products can protect your family, protect your business and
even help you attract and retain quality employees.

Commercial Property Insurance

Commercial Property Insurance covers Business Personal Property, Buildings,  Loss of Income, Computers and more. Policies help the business return quickly to normal operations following fire, flood, natural disaster or certain other extenuating circumstances, such as vandalism. After paying the deductible, insurance covers resulting repairs or replacements.

With over 50 years experience on the Cape, Bryden and Sullivan is familiar with all local scenarios, and can match your business property needs with the program best suited to your particular business and location.

Commercial Liability Insurance

Liability is usually the most important of insurance for your business.

General Liability covers your business against customer injuries- Bodily Injury- on your property and Property Damage business-related claims.

Product Liability insurance protects against consumer injury claims of resulting from use of your products or services.

Depending on severity, liability claims can be costly. Bryden and Sullivan will help determine the coverage for the best deductible.

Employee Insurance

Health, Life, and Disability Insurance

Bryden and Sullivan simplifies what can be a complex part of owning a business. Our licensed and certified agents are up to date on the most recent laws, including ramifications and applications of the Affordable Care Act's health reforms (Obamacare).

Employee Health Insurance may be required by the ACA, depending on the size of your company, but also allows certain tax credits while at the same time covering you (the owner) as well. 
 
Life and Disability business insurance protects your company and your employees in case of an accident on the job that results in disability or death of an employee or business partner. It covers the business and compensates the individual (or family) of the injured employee.
 
 

Worker's Compensation

Worker’s Compensation Insurance
Workers Compensation provides coverage to employees for work-related injuries such as  medical payments and lost wages. Bryden and Sullivan experts are intimately familiar with both Federal and Massachusetts state regulations, updates and expected upcoming changes. Together, we will research and configure the policy that's best for your business.

 

Drone Insurance?

Make no mistake: Drone use is coming to a backyard near you. New unmanned, remote-controlled aerial drones with onboard cameras can be purchased online for under $1,000. Used drone shops have even popped up at  local farmers markets.

The Consumer Electronics Association estimates that consumer drone purchases will increase 50% this year, putting an additional 300,000 more recreational drones in the skies.

While the Federal Aviation Administration wrings its hands over the threat that civilian drones pose to private and commercial aircraft, the insurance industry is weighing their potential impact on home insurance.

And little wonder. Say someone's drone crash-lands on a neighbor's car, snaps photos of children at play or adults at leisure in adjacent backyards without permission, or -- worse yet -- causes bodily injury to a neighbor or pet. Would the drone operator's home insurance cover the damage?

The short answer is, probably yes, depending on the coverage terms and exclusions of their policy.

Read more: Drone Insurance?

E&O

Errors & Omissions is a Professional Liability Insurance that protects companies and individual's against claims for inadequate work or negligent actions.

EPL

Employers Practice Liability

A type of Liability Insurance covering wrongful acts arising from the employment process.  The most frequent types of claims covered under such policies include : wrongful termination, discrimination, sexual harassment and retaliation.

Directors and Officers Liability Insurance (D&O)

Benefits of the Program

Philadelphia Insurance Companies' (PHLY) Non-Profit Directors and Officers (D&O) Liability Insurance provides a comprehensive management liability solution for Non-Profit organizations of all sizes. PHLY's coverage offers Directors & Officers Liability (lead coverage), Employment Practices Liability, Fiduciary Liability, Workplace Violence, and Internet Liability.

  • Defense costs are in addition to the Limit of Liability
  • Third Party Employment Practices Liability coverage
  • Definition of Individual Insured includes volunteer
  • Personal and Advertising Injury coverage
  • Coverage for punitive damages
  • Please contact either Kelley or Donna at 508-775-6060.

Business Auto

Commercial auto insurance protects your company-owned vehicles as well as liability for your business for employees driving their own vehicles on company business.

Other Business Insurance

We also offer insurance for: Professional Liability, Cyber Liability, Employment Practices Liability, Employee Benefits Liability, Bonding, Ocean Marine and Inland Marine (Scheduled equipment floaters). 

There's a Lot at Stake for your Business

As a small business owner, you know what it means to be responsible. In addition to the long hours and hard work, owning a business brings an array of other responsibilities, whether you're just opening your first corner shop or running a long-time establishment with a payroll of employees. Owning a business can bring you great success, but with great opportunities come great risks. Don't let your income or your life be at risk . Make the first step in your planning process - a review of your disability and life insurance needs to ensure both you and your business are protected.

How Long Could You Make it Without Your Paycheck?

What if you couldn't earn a paycheck?

In the last 20 years, deaths due to cancer, heart attack and stroke have gone down significantly,
but disabilities due to those same three are up dramatically*

What if you become sick or hurt and are unable to work? Will you be able to focus on getting healthy or worry about finding money to support your family, pay for your home, car, food, and other monthly expenses?

When a disability strikes, your income stops but your bills don't. Contact Bryden and Sullivan today and ask how you can protect your paycheck with disability insurance from Illinois Mutual.

*JHA Disability Fact Book, 2008

Disability Insurance Protection

 DID YOU KNOW?

  • Business and Income Protection are top priorities for business owners; yet most of they don't have disability coverage.
  • There are 28 Million Small Business's in the U.S. representing 99.7% of all employer firms.
  • 79% of Business Owners agree that having a good employee benefit plan is part of their responsibility as a business owner.

When many people depend on your income, it's important to protect yourself, your family or your employees. Bryden and Sullivan represents the following companies, among others, which write Disability Insurance Protection for individuals, small groups and larger groups. Let us provide you with the best options for your protection.

Data Breach Insurance Protection

Those who rely on you to protect their business interests also trust you to protect their personal information. When sensitive data is exposed, your reputation is on the line.

Cyber Liability Data Breach Insurance in MassachusettsData Breach Coverage

Our data breach coverage provides you with access to professionals who can help you comply with regulatory requirements, provide guidance on how to help prevent a data breach and handle a breach crisis if one occurs. Response expense coverage can help to quickly restore confidence in your business or practice through notification to impacted individuals and can help pay for good faith advertising expenses, for example. In most states, coverage is also available for defense and liability expenses in the event you're sued because of a breach.

Peace of Mind Protection

Our coverage can help absorb some of the costs associated with a breach including notification, public relations, legal and liability expenses.

Respond With Confidence

We provide access to professional assistance when a breach crisis occurs — helping you comply with applicable laws and regulations to avoid civil litigation and other penalties.

Be Prepared

You have access to a breach preparedness website for easy-to-understand prevention and response guidelines you and your staff can use every day — not just when you have a claim.

*Offered as an optional coverage either as part of the Spectrum Business Owner's Policy, the General Liability Choice® policy,  

10 Tips to Safeguard Laptop Data

  1. When traveling, never transport your laptop in checked luggage. Carry it on with you, and keep an eye on it at airport security.
  2. Apply distinctive paint markings to make your laptop unique and easily identifiable.
  3. If you step out of a meeting or conference room, take your laptop with you – or it may not be there when you return.
  4. Carry your laptop in a non-descript carrying case, briefcase or bag. A case designed for computers is a clear signal to thieves that you are carrying a laptop.
  5. Back up your information regularly and keep the information stored in a safe place.
  6. Don’t let unaccompanied strangers wander around your workplace. Offer assistance and escort visitors to their destinations.
  7. Parking garages are common theft locations. Cover your laptop to hide it from view or place it in the trunk.
  8. If leaving your laptop in the office overnight, place it in a locked cabinet or secure it with a cable lock that wraps around a desk or chair leg.
  9. Consider purchasing a theft alarm system specifically made for laptops.
  10. Avoid automatic log-ins. They may be easier, but if your laptop is ever stolen, your information is all the more vulnerable.

Subcategories

Disability Income Protection

Disability Income Protection

You need to protect your income for yourself and since many people depend on you. Whether you want to protect yourself or your employees. We have several companies that will write Disability Insurance Protection. RSLI is a small group carrier, the Standard individual and large group, Principal, Met Life and more. Let us provide you with options for your protection.

Cyber Liability Insurance

Protect your clients' personal information.

Insurance ... simple and done!