 Are you thinking of starting your own business? Have you already? Perhaps you manage a business. If so, your business is your life, and protecting it is your number one priority. No matter what your situation, we can supply the commercial insurance to cover your needs. We can cover most types of business in most states, and we're confident you'll be happy with our services.
These are the coverage options available to you:
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Basic Coverages:
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More Specific Coverage Types:
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Commercial Insurance Terms
 Commercial Property Insurance
This covers the buildings, contents, and stock owned and used by the business. The main causes of loss covered are fire and theft.
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Commercial General Liability Insurance
There are three major areas covered by a General Liability policy:
Bodily Injury / Property Damage - Bodily injury includes physical injury, sickness, or disease, including death. Property damage includes physical injury to tangible property, as well as resulting loss of that property.
Personal / Advertising Injury - Personal injury includes false arrest, malicious prosecution, wrongful entry or eviction, libel and slander, and violations of a person's right of privacy. Advertising injury includes libel, slander, and disparagement, violations of a person's privacy, misappropriation, and copyright infringement.
Medical Payments - This includes medical expenses for bodily injury caused by an accident.
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Commercial Auto
A commercial auto is any automobile owned by the company or the company's owner(s) which is used for company purposes. Many states require businesses to have personal injury protection (PIP) on their cars as well as uninsured motorist coverage. We suggest you have a comprehensive plan on all of your company's vehicles to take care of any situation that may be encountered.
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Worker's Compensation
This covers expenses for accidents and disease suffered by employees on the job.
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Professional Liability Insurance
This covers liability incurred by a professional such as a physician, nurse, attorney, architect, or consultant for negligent acts occuring while professional services are performed.
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Umbrella Liability Insurance
When the limits of each of General Liability, Commercial Auto, and Workers' Compensation coverage reach $500,000 or $1,000,000, and the insured desires excess coverage to be used in the event that all of these limits are exhausted, then Umbrella Liability coverage may be purchased.
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Bonds
Bonds, in this case, are not insurance. They are a guarantee that work will be completed for the price that was set, and the person completing the work, known as the principal, is held responsible for this.
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© 2009 MOCrop Insurance | Burgher Insurance
MOCrop Insurance & Burgher Insurance are equal opportunity providers. All rights reserved.
2709 E Liberty | Mexico | MO 65265
Toll Free: 1.800.633.6540
Tel: 573.581.4420 | Fax: 573.581.7264
Privacy Statement | Non-Discrimination Statement
The U.S. Department of Agriculture (USDA), MOCrop Insurance and Burgher Insurance prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or part of an individual’s income is derived from any public assistance program. (Not all prohibited bases apply to all programs). Persons with disabilities who require alternative means for communication of program information (Braille, large print, audiotape, etc.) should contact USDA’s TARGET Center at (202) 720-2600 (Voice and TDD).
To file a complaint of discrimination, write to USDA, Director, Office of Civil Rights, 1400 Independence Avenue, S.W. Washington, DC 20250-9410, or call (800) 795-3272 (voice) or (202) 720-6382 (TDD). USDA is an equal opportunity provider and employer.
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