Business Insurance
Whether your business is large or small, Stonebraker McQuary Insurance has 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 businesses need special protection to prosper.
Stonebraker McQuary Insurance offers more than just insurance. We offer:
- Loss Control Programs: We can evaluate your business's current conditions and recommend ways to lower property, auto, workers' compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.
- Safety Meetings
- On-Site Insurance Presentations for Employees
- Types of Insurance: We offer professional liability, worker's compensation, employee benefits, employment practices and commercial umbrella policies. Contact a friendly Stonebraker McQuary Insurance agent to help you determine which are right for your business.
- Quick Claim Response: When you have a claim, you need fast, fair service. As independent agents, we work hard to make that happen. That's why we only represent companies with excellent records for settling claims fairly and promptly.
- Competitive Rates: Many of the insurance companies we represent specialize in insuring specific types of businesses or industries in order to offer special coverage and pricing. To see if your business qualifies for one of these special programs, contact a friendly Stonebraker McQuary Insurance agent for more information.
See what Stonebraker McQuary can do for you.
We'd like to be your complete insurance company. We invite you to visit with your friendly Stonebraker McQuary Insurance agent today to find our more about our comprehensive line of insurance products.
Business Interruption Insurance
Business interruption Insurance
Business interruption insurance can be as vital to your survival as a business as fire insurance. Most people would never consider opening a business without buying insurance to cover damage due to fire and windstorms. But too many small business owners fail to think about how they would manage if a fire or other disaster damaged their business premises so that they were temporarily unusable. Business interruption coverage is not sold separately. It is added to a property insurance policy or included in a package policy.
A business that has to close down completely while the premises are being repaired may lose out to competitors. A quick resumption of business after a disaster is essential.
Extra Expense Insurance
Extra expense insurance reimburses your company for a reasonable sum of money that it spends, over and above normal operating expenses, to avoid having to shut down during the restoration period. Usually, extra expenses will be paid if they help to decrease business interruption costs. In some instances, extra expense insurance alone may provide sufficient coverage, without the purchase of business interruption insurance.
Business interruption Insurance
Business interruption insurance can be as vital to your survival as a business as fire insurance. Most people would never consider opening a business without buying insurance to cover damage due to fire and windstorms. But too many small business owners fail to think about how they would manage if a fire or other disaster damaged their business premises so that they were temporarily unusable. Business interruption coverage is not sold separately. It is added to a property insurance policy or included in a package policy.
A business that has to close down completely while the premises are being repaired may lose out to competitors. A quick resumption of business after a disaster is essential.
- Business interruption insurance compensates you for lost income if your company has to vacate the premises due to disaster-related damage that is covered under your property insurance policy, such as a fire. Business interruption insurance covers the profits you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
- Make sure the policy limits are sufficient to cover your company for more than a few days. After a major disaster, it can take more time than many people anticipate to get the business back on track. There is generally a 48-hour waiting period before business interruption coverage kicks in.
- The price of the policy is related to the risk of a fire or other disaster damaging your premises. All other things being equal, the price would probably be higher for a restaurant than a real estate agency, for example, because of the greater risk of fire. Also, a real estate agency can more easily operate out of another location.
Extra Expense Insurance
Extra expense insurance reimburses your company for a reasonable sum of money that it spends, over and above normal operating expenses, to avoid having to shut down during the restoration period. Usually, extra expenses will be paid if they help to decrease business interruption costs. In some instances, extra expense insurance alone may provide sufficient coverage, without the purchase of business interruption insurance.
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