Commercial/Businesses Insurance

A Proactive Partner for Your Business Success

Kingman Insurance Agency, Inc. is proactively committed to improving the profit, longevity and reputation of your business. Whether your business is large or small, we have the products to meet your needs. Every business and industry is unique; we identify ways to properly insure the unique hazards of your business. As business owners ourselves, we understand the special protection businesses need to prosper.

We believe the key to success is flexibility, so we’re not a one-size-fits-all program. We review clients individually and give full consideration to their assets. We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business. In addition, we offer group health and retirement plans.

Property Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Property Insurance may cover two types of property losses:
• Direct losses may be covered when property is lost, stolen, damaged or destroyed.
• Indirect or consequential losses related to direct losses may also be covered.

General Liability Insurance

General liability coverage, which protects you from suits by third parties claiming bodily injury and/or property damage resulting from your negligent operation, faulty workmanship, or defective products you sell. This coverage is for legal judgment as well as expenses incurred.

Remember, any business or person can be sued. The allegations may be fraudulent, but they have to be defended. General liability coverage is the answer for protecting your financial security.

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy which can help you save time and money on your total insurance program. Since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

Business Auto Insurance

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semi trailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

Commercial Umbrella Insurance

Umbrella liability insurance provides excess liability coverage over several of the business’s primary liability policies. Most umbrella liability policies provide coverage that is broader than the business’s primary policies. It pays the total amount in excess of the primary policy limit for which the business becomes legally obligated to pay for damages of bodily injury, property damage, personal injury, and advertising injury.

Workers' Compensation

Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental. Only occupational diseases, which are unique to the occupation, are covered.

Workers’ Compensation provides for the payment of four types of benefits:
   •  Medical benefits
   •  Income benefits
   •  Death benefits
   •  Rehabilitation benefits

A representative can provide you with complete details on Workers’ Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

Bonds

Surety Bonds are a specialty of our agency. Our approach is to customize a bonding program which meets the needs of the customer today, with flexibility to handle tomorrow’s challenges and opportunities, some of the bonds our agency offers are:
   •  City and County License & Permit
   •  Conservator
   •  Contractor’s License Bonds
   •  Court
   •  Dishonesty
   •  ERISA/Pension/Profit Sharing Plan
   •  Executor Bonds
   •  Fidelity-Name or Position Schedule
   •  Guardianship Bonds
   •  Kansas Interstate Motor Fuel User
   •  License Agent
   •  Liquid Fuel Carrier
   •  Liquor Excise Tax
   •  Liquor Retailer
   •  Motor Vehicles Dealer
   •  Notary
   •  Public Official
   •  Tax Preparer's Errors and Omissions Insurance

Small Business Owners

A comprehensive property and liability program designed for small businesses, real estate, retail, wholesale, office, service, or light manufacturing.

Many built-in enhancements reduce the need to add optional coverages. Most small business packages provide automatic business interruption up to one year, seasonal fluctuations on inventory and sub-limits on computer equipment, valuable papers and records, accounts receivable, transit, back up of sewers and drains, and employee theft.

There are additional company-specific enhancements, which we will analyze for you in order to provide the most appropriate coverage for your exposures to loss and within your budget.

Also available: Artisan Contractors, Business Owners, Landlord Liability, Boiler and machinery, Commercial Farm and Farm Owners, Commercial Property, and Errors and Omissions.