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.
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.
See also Workers Compensation
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.
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.
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).
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.
Errors & Omissions is a Professional Liability Insurance that protects companies and individual's against claims for inadequate work or negligent actions.
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.
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.
Commercial auto insurance protects your company-owned vehicles as well as liability for your business for employees driving their own vehicles on company business.
We also offer insurance for: Professional Liability, Cyber Liability, Employment Practices Liability, Employee Benefits Liability, Bonding, Ocean Marine and Inland Marine (Scheduled equipment floaters).
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.
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
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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.