Rinehart Insurance has a strong commitment
to professionalism and integrity when helping you meet all your commercial
insurance needs.
At Rinehart
Insurance you will have the guidance of an agent whose area of expertise
and experience matches your needs. The agent
analyzes your needs, evaluates
our providers and then matches you with the one that best satisfies your needs.
You
will benefit from our many years of experience, throughout which
we've cultivated strong relationships with a wealth of quality
providers. Rinehart Insurance
understands the appetite of the providers, allowing us to know exactly
which carrier can and will best satisfy your needs.
Business
Automobile
We
offer the coverage designed to provide protection for financial loss
resulting
from car-related injuries or property
damage. Automobile physical damage coverage would cover damage due
to collision, fire, theft or other perils. Business automobile coverage
can provides all of this plus offer optional rental reimbursement,
roadside assistance, and protection for bodily injury caused by an uninsured
motorist.
Business Owners Policy
When you’re starting a new business, a BOP is
a great way to get basic coverage. It is a commercial package, including
property and liability insurance for small businesses. A business owner’s
policy is effective and comprehensive. It provides coverage to repair
or replace
your building and contents as well as your loss of income and extra expenses
you incur while your operation is suspended from a covered loss.
Property Insurance
Insurance providing financial protection against the
loss of personal property caused by fire, theft, windstorm, hail, explosion,
riot,
aircraft, vandalism, malicious mischief and smoke. This coverage is offered
with various deductibles.
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Commercial General Liability
This coverage is usually combined with property
insurance to form a complete commercial package policy. Your company’s
legal responsibilities will be covered when it causes harm to others.
Various liability limits are offered.
Umbrella Policy (Excess Inurance)
This coverage adds protection and security
to existing liability policies for Commercial General Liability and Business
Automobile. It offers coverage for those extraneous circumstances not typically
covered by an insurance policy.
Employment Practices Liability Insurance
Coverage designed to protect
the corporation, directors, officers and employees against claims
resulting from wrongful termination,
discrimination, sexual harassment, wrongful discipline and failure to
employ or promote.
Commercial Crime
 Commercial Crime insurance protects businesses from the loss of money,
securities or inventory resulting from risks such as theft, embezzlement,
forgery or alteration of checks, robbery, counterfeit currency and
documents, disappearance and destruction of money, securities and documents,
employee dishonesty, safe burglary, computer fraud, wire transfer,
audit and investigation expense.
Crime
Bonds are also available to protect businesses against property loss
resulting from white-collar crime.
Boiler & Machinery Coverage
Boiler & Machinery coverage -- also known as equipment
breakdown insurance -- fills in the gaps in standard property policies
by providing protection against the mechanical breakdown of boilers,
heating/refrigeration systems and mechanical equipment. Many businesses
with machinery and equipment exposures need boiler and machinery coverage
including light manufacturers, pharmaceutical companies, heavy manufacturing
companies, chemical companies and utilities.
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Business
Interruption/Loss of Income Coverage
Business Interruption coverage covers the costs associated with the
interruption to the business that may occur when there is a property
loss and helps
your business get up and running again.
 Business
Loss of Income coverage helps compensate for the money a business would
have earned if a fire
or other covered peril forces
a business
to close its doors or otherwise interrupts your business operations.
Loss of Income coverage is also available to protect against income
loss caused by damage to specialized, difficult to replace equipment.
Garage/Auto
The Garage/Auto Policy provides coverage for the legal liability
of automobile dealers, garages, repair shops and service stations.
Coverage
includes
bodily injury and property damage arising out of garage related
operations. It can also provide coverage for damage to customers'
autos and property,
as well as damage to garage-owned autos.
Directors
and Officers
Directors and Officers Liability Insurance is an essential coverage
for not-for-profit and for-profit firms and organizations
to protect against liability claims arising out of alleged errors in
judgment,
breeches
of duty,
and wrongful acts
related to their organizational activities.
Professional
Liability
Given the complexity of our society
and the
expectations
of consumers, providers of a wide range of professional services are subject to liability claims for damages
resulting from alleged negligence in the performance of the insured's
services.
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