We’re protection for all your Business Insurance Needs.

At Purmort Brothers Insurance, we pride ourselves in the time we take with each customer to develop the right business insurance plan.  We have great working relationships with many top-rated insurance companies.  Whether you need a basic Business Owners Policy (BOP) or a program that is more involved, we partner with you to develop the appropriate risk management program.  When you work with Purmort Brothers Insurance, you are guaranteed to receive expert guidance when it comes to commercial property, business auto, umbrella liability and other insurance programs.

Bonds

Sometimes a general insurance policy isn’t enough or doesn’t meet the requirements for some businesses.  Many times there are requirements or specific contracts that are required to be guaranteed by the business.  This is where Bonds come in to play.  Purmort Brothers Insurance offers a variety of different bonds such as Probate Bonds, Fiduciary Bonds, Contract Bonds, Surety Bonds, etc.   Call us to find a solution suitable for your needs.

Builders Risk Insurance

Are you renovating or building a new property?  If so, Purmort Brothers Insurance recommends a Builder’s Risk policy.  This is a special type of property insurance which protects against damage to buildings while they are under construction. It’s also insurance coverage that protects a person’s or organization’s insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building  from a covered cause. 

Business Owners Policy

A business owner’s policy or BOP, is a special type of commercial insurance designed for small and medium-sized businesses. By bundling general liability insurance and property insurance into a single policy, BOPs typically offer a reduced premium, often making them a more cost-effective option than separately purchased policies.  Contact Purmort Brothers Insurance to see if a BOP would be beneficial for your business. 

Commercial Auto Insurance

Commercial Auto Insurance is there to protect you from costs associated with injuries or property damage suffered by others in an accident caused by you or your employee in your insured commercial vehicle.  Every policy is different and every business had their own unique exposures.  Contact Purmort Brothers Insurance to discuss a tailored plan specific to your business needs.

Commercial General Liability

Commercial General Liability insurance is an important coverage for all business owners.  This type of policy protects you and your business from losses that might occur during your business operations.  Purmort Brothers Insurance will meet with you and do a complete risk review to see what type of coverage is best for your business.  Like all insurance, the exposures are different and unique for each business.

Commercial Property Insurance

Commercial Property Insurance protects your business property against covered losses.  This type of coverage would allow your business to get up and running if a loss would occur.  Some general coverage would include the building itself, inventory, equipment and other business personal property.  There are several other coverages Purmort Brothers Insurance will recommend to help make sure your business is operating without loss of income or interruption of your business process.  Contact us today!

Commercial Umbrella Insurance

Commercial Umbrella Insurance (also referred to as Commercial Excess Insurance) provides your business another layer of protection above the limits of your standard commercial liability policies.  This would be there to assist in those unforeseen tragic or catastrophic business losses.  It protects you against lawsuits that may arise and potentially risk putting you out of business.  Purmort Brothers Insurance will recommend a policy limit tailored specifically for your business exposures. 

Commercial Package Policy

Commercial package policies afford companies a high degree of customization, and may combine two or more coverages into a single policy. In addition to property and general liability, this type of policy may also provide coverage for automobile, inland marine, crime, or other risks. Purmort Brothers Insurance can tailor a package policy specifically for your business needs.  Contact us today.

Contractors Liability

Purmort Brothers Insurance understands the special and unique needs of a Contractor.  We are able to tailor specific Contractors Liability coverage to suit your needs. 

Cyber Liability Insurance

Are you conducting more and more business through technology?  Do you use email and other technical means to conduct business with your clients?  If so, contact Purmort Brothers Insurance to review Cyber Liability coverage.  This will help protect your business against such things as virus transmittal and theft of client data, to name a few. 

D & O Insurance

Directors & Officers Insurance insures against claims alleging wrongful acts committed by insureds acting on behalf of an organization.  Directors and officers make discretionary decisions that may affect anyone who had a relationship with the institution or association.  You can trust in Purmort Brothers Insurance to recommend coverage that will protect your organization and the officers. 

EPLI

Even in the best working environments, there are opportunities for an employee to become disgruntled.  Small companies can even be at risk, as many think of their employees as family.  All it takes in large or small businesses is one infraction of a complicated employment law to trigger charges.  Allow Purmort Brothers Insurance to recommend adequate insurance protection for your exposure of financial loss, through Employment Practices Liability Insurance (or EPLI). 

Errors and Omissions Insurance

Errors and Omissions Insurance is a type of professional liability coverage. Even though you work hard at your profession, occasionally things go wrong.  Preplanning with Purmort Brothers Insurance can help protect your business if an incident would arise.  Consider the financial loss if you complete a plumbing job on a new building and after it’s occupied, you find out the piping you used had been recalled due to a defect.  This is one example of many where Errors and Omissions Coverage would be beneficial. 

Farm and Ranch Insurance

Farm and ranch insurance can provide protection for farm operations including farm dwellings and contents as well as barns, stables and other farm outbuildings. Liability coverage may also be included to provide coverage for exposures arising out of the farm operation. Purmort Brothers Insurance can tailor the policy for the hobby farmer all the way up to a large scale agribusiness.

LandlordPackage Insurance

  Are you a property investor and own more than one home or condo that you rent to others?  If so, a Landlord Package Policy would be our recommendation.  This type of policy typically insures the structures themselves as well as provides liability protection to cover damage or injury to others.  Many other coverage’s can be added such as loss of rent, and legal fees.  It’s best to contact Purmort Brothers Insurance for us to provide the best property package for your needs.

Product Liability

Product Liability Insurance protects a business from claims related to the manufacture or sale of products, food, and other good’s to the public.  It covers the manufacture’s or seller’s liability for losses or injuries to a buyer, user or bystander caused by a defect or malfunction of the product.  In some cases, it can be as simple as failure to warn.  Trust in Purmort Brothers Insurance to recommend protection specific to your business needs.

Professional Liability Insurance

Professional Liability Insurance is protection for professionals such as accountants, lawyers, physicians, health care, etc. against negligence and other claims initiated by a client.  Some professions require this coverage due to general liability insurance policies not offering it. Contact Purmort Brothers Insurance to review what type of coverage best suits your needs.

Public Entity Programs

Public entities (cities, towns, counties, state and federal entities) face property risks, liability exposures, and employee benefits needs that are significantly different than those faced by commercial businesses and corporations. Purmort Brothers Insurance is available to review and recommend the appropriate coverage for your unique needs.

Special Events Insurance

Does your organization put on special events?  If so, consider the losses that could occur from spectators, participants, attendees, etc. Purmort Brothers Insurance has the ability to write Special Event Insurance to cover your event.  Contact us today to discuss the best tailored protection for your needs. 

Workers' Compensation Insurance

Workers’ Compensation Insurance is the most often required insurance for your business.  Each state has different requirements, but generally this is to protect you from an employee who may become injured on the job and would pay for medical care, disability, and death benefits. Purmort Brothers Insurance is able to research the legal requirements for your business and put a policy in place to meet those needs.

Purmort Brothers Insurance We're more than a policy.