Business Insurance

Get down to business with a risk management partner, not just an insurance policy.

business insurance

Complete commercial insurance coverage for all aspects of your business, school, municipality, non-profit organization or financial institution.

The Meeker Sharkey & Hurley Insurance Agency is organized to provide the specific business insurance you need when you need it. You benefit from our 60 years of insight gained in working with a wide range of insurance companies to develop innovative commercial insurance solutions for businesses in every industry, schools at every level, and professional firms of every type.

  • We provide access to thousands of resources to help you excel at your business.  Let us help with communications, employee manuals, safety meeting topics and other tools to solve your risk challenges, so you can run your business smarter.
  • We can provide a formal Risk Assessment based on your specific business from our broad selection of industry experts.  We have the tools to help you take action through specialized Risk Reduction Programs to lower your total cost of risk and make you more attractive to the insurance marketplace.
  • We provide you with our dedicated Claims Advocate with decades of experience to represent you throughout the claims process.
  • We represent the largest and most financially secure insurance companies.  As an independent agency, we shop the market to give you the best programs from the best carriers with global reach.  You are not bound to one company with us.
  • We receive ongoing updates and legislative developments that we can share to help you through changes in your specific industry, as well as in the commercial insurance marketplace.

  • Cyber LiabilityCyber liability is a fast emerging area, but the coverage and policy forms are completely non-standardized. Unless your broker understands your unique exposures as compared with the policy coverages, you could be buying a lot of empty promises – and not receiving the coverage you need in the event of a claim.
  • Directors & Officers Insurance (D&O)Allow your Directors & Officers to make decisions with confidence.D&O insurance coverage helps to protect your company’s bottom line and your directors’ & officers’ assets, individually, from claims that may allege mismanagement of the organization resulting in financial consequences.
  • General LiabilityBuilding a company takes hard work.Protecting your business and assets from loss is undoubtedly one of your highest priorities, particularly with regard to liability risks which can be some of the most expensive business claims.
  • Commercial AutomobileTransportation is often vital to businesses, but is also an area that can impose a tremendous amount of risk. If you or your staff members use a vehicle for commercial purposes, a Commercial Automobile policy is essential, as your standard personal auto policy typically will not extend to cover your business-related use of that vehicle.
  • Excess “Umbrella” LiabilityFor Potentially Catastrophic, Unanticipated Losses with Potential for Serious Impact on your Business’ Financials.Excess Liability provides Limits of Liability over and above primary insurance (ie: General Liability, Automobile Liability, Employers’ Liability, Etc.).The coverage is triggered when the amount of loss exceeds (or exhausts) an existing primary policy’s Limits of Insurance.
  • Property & Business IncomeProtection for your company’s Assets & Balance Sheet.Business Income insurance can help cover the loss of revenues that you sustain due to a covered property loss, and can even help provide coverage for extra expenses that you incur in order to get your organization back up and running.
  • Workers CompensationWorkers Compensation is a no-fault coverage prescribed in state law that provides your employees with medical care and income continuation benefits in the event of an injury while on the job. In addition, the Employers Liability portion of a Workers Compensation policy can protect your business from lawsuits by providing Liability insurance coverage for aspects of work-related injuries that may fall outside the scope of the workers compensation statutes.
  • Fiduciary LiabilityProtecting Your Employee Benefit Plan Managers’ Personal Assets is a Must.Under the Employee Retirement Income Security Act of 1974 (ERISA), those who oversee your Employee Benefit Plans have various fiduciary duties to the plan participants, and can be held personally liable for errors in the administration of these plans.If you have people managing your 401k, defined contribution plan, or other Employee Benefit Plans, Fiduciary Liability is a must.
  • Employment PracticesWith the type of legal employee protections in place, Employment Practices Liability Insurance (EPLI), is essential for any organization. EPLI responds to protect an organization from claims alleging wrongful termination, sexual or workplace harassment, discrimination, failure to employ or promote, etc.Often policies can be adjusted to protect against Third Party harassment or discrimination claims, as well.

Get Down to Business with Us

It’s not just your job, it’s your livelihood!  Let us help you thrive, with carefully crafted protection.