Business Insurance Products

Caplan Insurance Agency LLC Are experts in business protection and risk management.

  • Alternative Market –  We offer multiple solutions for your protection needs. When traditional business insurance doesn’t cover all of your bases we have alternative options which allow us to manage your needs through the use of retention groups or captive insurance programs. Bond and securities are options as well.
  • Bid Bond –  We offer Bid Bonds to guarantee that the bond holder will complete the job they have bid on.
  • Bonds –  We offer common varieties of bonds such as Surety Bonds, Contract Bonds, Judicial and Probate Bonds and License/Permit Bonds.
  • Builders Risk Insurance – When you are in need of Builders Risk Insurance you have come to the right place. Builders Risk offers protection that covers a structure, and all of the materials used during the construction. In addition optional coverage can be added to cover loss of income and or delayed construction completion.
  • Business Auto Insurance –  Business Auto Insurance protects your business in the event that a vehicle you or an employee uses to conduct business causes injury to others or property damage.
  • Business Owners Policy –  Business Owners policy insurance offers more general coverage for liability, building, equipment damage or loss of income because of damage.
  • Commercial General Liability –  Commercial General Liability offers protection from daily operations or products that have gone wrong.
  • Commercial Package Policy –  A Commercial Package is a business package policy that combines coverage together for multiple policies. The options available create flexibility and are customize-able.
  • Commercial Property Insurance –  Commercial Property Insurance covers the brick and mortar location you conduct business in through the inventory you house, business supplies you use, business records you store and anything of value that is under your businesses roof.
  • Commercial Umbrella Insurance –  Commercial Umbrella Insurance covers the gaps between other business insurance policies. Insuring that you have an extra level of protection.
  • Contractors Liability – Accidents happen and when you’re in the construction trade you need an insurance policy that is designed to specifically fit your coverage needs and budget.
  • Crime Insurance –  Crime Insurance protects  your business from embezzlement,  employee theft including electronic hacking, cash theft or an outside burglary.
  • Cyber Liability Insurance – Cyber Liability Insurance covers  your business from loss due to breach of client data, the spread of a network viruses, website hacking, payment portal breach and more.
  • Directors and Officers Liability Insurance –  Protects your companies top talent.
  • Employment Practices Liability Insurance (EPLI) –  EPLI protects a business from claims of sexual harassment, termination or discipline, emotional distress, discrimination and Invasion of privacy. These claims are becoming more common. EPLI insurance is becoming commonly recommended for most businesses today.
  • Farm and Ranch Insurance – Farm and ranch insurance can be fit for the part time farmer or full time industrial farming operation. Coverage can include protection for personal assets and farming pursuits.
  • Fidelity Bond – Protects bondholder clients from employee theft. Often purchased by business owners that employ high risk employees.
  • Garage-keepers Legal Liability Insurance – Garage-keepers liability insurance is recommended for auto dealers, repair shops, parking lots, hotels and restaurants with valet parking services, and towing services.
  • Garage-keepers Liability – Extends to customer and non customer vehicles. Garage Keepers Liability also offers coverage for non vehicle damages and injuries on the businesses property.
  • Landlord Package Insurance – This is a type of plan that offers protection to a landlord for loss of rent resulting from an insured loss. Or liabilities resulting from tenants.
  • Liquor Liability Insurance –  Liquor Liability Insurance is meant to protect the food service business from accidents resulting in anyone served alcohol and later involved in an accident.
  • Ocean Marine Insurance – A wide variety of ‘ocean’ risks can be protected by this policy form.
  • Performance Bond – Performance Bonds are presented by contractors to project owners after a contractor is awarded a bid (Performance Bonds are often preceded by Bid Bonds).
  • Product Liability – Protects your company from liability and damages due to injury or loss related to that product. If you are in the business of supplying, selling, or even providing a repair service you should purchase Product Liability Insurance.
  • Professional Liability Insurance – A skilled professional in any field is expected to utilize skills and knowledge resulting from specialized training, experience and education. When a customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you open the doors to a lawsuit. Professional liability Insurance covers you from this type of attack.
  • Special Events Insurance – This insurance covers event spaces often used for community type events. Auditoriums, Parks and other Recreational venues and Halls should carry special events insurance.
  • Workers’ Compensation Insurance – This type of insurance pays for medical  expenses for employees injured on the job. Lost wages are also covered. This is a very common type of insurance and every business with employees should cover workers compensation insurance.