Protecting What You’ve Worked Hard to Build
“I Don’t Know If I Have Coverage Gaps.”
Many business owners haven’t reviewed their insurance for years.
Operations change. Revenue changes. Equipment changes. Employee count changes.
Unfortunately, many coverage gaps aren’t discovered until after a claim occurs.
We help business owners evaluate:
- Liability Exposures
- Property Values
- Vehicle Coverage
- Employee-Related Risks
- Contract Requirements
- Growth-Related Coverage Needs
“Finding and Keeping Good Employees Is Hard.”
Today’s employees often look for more than just a paycheck.
Offering benefits can help improve recruiting, retention, and employee satisfaction.
Available options may include:
- Group Life Insurance
- Employee Benefits Solutions
- Workers’ Compensation
- Disability Coverage
Valued Property
What keeps your business running? Business Property Coverage helps repair or replace the property your business relies on every day, from equipment and supplies to inventory, including livestock or other animals when eligible..
50K Happy Customers
Trust is one of your most valuable business assets. Cyber Liability Coverage can help protect customer confidence when cyber threats arise, while Group Life Insurance helps demonstrate your commitment to employees and their families. Both can play an important role in building a resilient, respected business.
Cover Your Assets
People trust your business to do the job right. General Liability Coverage helps protect against accidents that can happen during the course of business, while Professional Liability Coverage helps protect against claims that your work, advice, or services caused a financial loss. Together, they help safeguard the business you’ve worked so hard to build.
Commercial Auto
Your vehicles keep your business moving. Commercial Auto Coverage helps protect your business from the financial impact of covered accidents involving company-owned vehicles, helping keep your operations on the road.
Workers Compensation
Your employees are your greatest asset. Workers’ Compensation helps provide benefits for work-related injuries and illnesses, helping employees recover while protecting your business from potentially significant costs.
Business Interruption
What if your business couldn’t open tomorrow? Business Income Coverage can help replace lost income and ongoing expenses when a covered loss temporarily interrupts your operations.
Inland Marine Equipment
Not all business property stays in one place. Inland Marine Coverage helps protect tools, equipment, and other business property while it’s being transported or used away from your primary location.
Employment Practices Liability
Employee-related claims can happen to any business. EPLI helps protect against allegations such as wrongful termination, discrimination, harassment, and other employment-related issues.
Umbrella/Excess Liability
Some claims can exceed standard policy limits. Commercial Umbrella Coverage provides an extra layer of liability protection above underlying policies when major claims occur.
“I Can’t Afford Extended Downtime.”
What would happen if a fire, windstorm, theft, equipment breakdown, or other covered loss forced you to shut down operations?
Many businesses discover too late that rebuilding isn’t the only cost. Lost income can be just as damaging.
Coverage options may include:
- Commercial Property
- Business Income
- Extra Expense
- Equipment Breakdown
- Inland Marine
Why Work With Discern Insurance?
We’re an independent insurance agency.
That means we aren’t limited to a single insurance company. We work with multiple carriers to help find solutions that fit your needs.
Our goal isn’t to sell the most insurance.
Our goal is to help you understand your risks, make informed decisions, and protect the future of your business.
You deserve an agent who will answer the phone, explain your options clearly, and advocate for you when challenges arise.
Let’s Talk About Your Business
Every business is different. The best insurance strategy starts with understanding your operation, your goals, and the risks you face.
Whether you’re starting a new venture, reviewing existing coverage, hiring employees, purchasing vehicles, or expanding your operation, we’re here to help.