Business Insurance:

In this difficult economic climate we know how important containing costs have become.  Tangorra Insurance has worked diligently to develop stable, competitive, and comprehensive programs, and we are proud of the results.

Choosing your insurance carrier is one of the most important decisions you'll make.  There are many options available and we can be very valuable to you in this selection process.  We have developed an in-depth knowledge of your industry which is an important tool in analyzing your insurance needs. 

Generally, the premium you pay depends on the deductible, or risk, you're willing to assume if a loss occurs. By choosing a higher deductible, you retain more risk, but pay a lower premium. On the other hand, if you choose a lower deductible, your premium will be higher. When premiums are high or coverage is difficult to obtain, you may want to choose a higher deductible and directly pay for smaller losses. The premium savings you'll realize may allow you to purchase other essential coverages. This strategy makes the most of your insurance dollar, providing you with the maximum protection against losses that can result in bankruptcy, debt financing or the postponement of future business plans.

If you take this approach, make sure you build the average annual costs of smaller losses into your budget. Once you've determined how much risk you will retain and how much risk you want the insurance company to assume, you're ready to choose an insurance agent. 

Commercial Auto:

A commercial automobile insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire, and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.

Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance. 

BOP (Business Owners Package):

Business Owners Package policy, commonly called a "BOP" contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers' compensation, professional liability, or business vehicle coverage. 

Workers' Compensation:

Workers' Compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries. For many businesses, this coverage is the largest part of its insurance expense.

Employment Practices Liability (EPLI):

Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to:

• Discrimination
• Wrongful Discharge
• Sexual Harassment
• Hostile Working Environment
• Wrongful Termination
• Lack of Advancement 
  

Other Business Coverage We Offer:

General Liability
Commercial Umbrella
Business Interruption 
Hotel / Motel
Strip Centers
Drycleaners
Liquor Liability
Product Liability
Professional Liability (Errors & Omissions)
Property Liability
Restaurant
Surety Bonds
And much, much more