Our team of specialists provide solutions for commercial sectors including, but not limited to:
- Automobile Dealerships
- Condo & Homeowners Associations
- Church / School Programs
- Distributors & Wholesalers
- Energy Propane/Petroleum
- Entertainment Amusements
- Golf Courses and Country Clubs
The Commercial General Liability Policy from Sihle provides the insurance protection you need to pay damages for bodily injury or property damages for which your business is legally responsible.
The policy provides coverage for liability arising from personal injury as well as medical expenses.
Coverage is provided for injury or damages arising out of goods or products made or sold by the named insured and the employees of the named insured.
Professional -or- E&O Liability
The nature of negligence or E&O claims makes them very expensive to defend. Even if the claim has no basis in fact, it must be investigated and the professional who has been sued must be defended. The legal fees alone can be extremely high and if a settlement is obtained or a judgment awarded, financial hardship is likely.
In general, E&O or Professional Liability Insurance is necessary if:
- You provide a professional service for a fee
- You regularly advise clients
- It is specifically requested by the client as a condition of a contract
Cyber And Data Breach
These days it’s hard to find a business that doesn’t rely on computers and technology in some fashion. In many cases, those machines are used to store sensitive business or customer data that can be compromised as cyber attacks become more widespread and sophisticated.
Protecting both your internal business data and your customer’s personal information is a business necessity, but traditional business insurance won’t protect you from lawsuits if your security is breached. Cyber Liability Insurance can.
Cyber Liability Insurance is a special type of business insurance that can help organizations pay for the costs associated with a data breach. Commonly, coverage is available to help businesses:
- Pay for defense and liability expenses associated with the breach
- Pay for others costs including notification and public relations or response expenses
At Sihle Insurance bonds are customized to fit your business or project.
Commercial Surety Bonds
Contractor License & Permit Bonds
Utility Deposit Bonds
Dealer in Agricultural Products Bonds
Financially Responsible Officer Bonds
Title Agent Bonds
Mortgage Broker Bonds
Seller of Travel Bonds
Fast Track Program: this is a specially designed program with limited paperwork for bonds $250,000 or less
Business Services Bond protects you from theft by your employees from your clients.
Blanket Fidelity Bond provides coverage for you for theft from you by your employees or others.
Yacht Broker Bonds
Yacht Salesperson Bonds $10,000
Yacht Broker Bonds $25,000
Coverage typically protects against what are often called “white-collar” crimes such as:
- Employee Dishonesty
- Fraud, including Computer or Funds/Wire Transfer Fraud
- Theft or physical property and/or money and securities
- Forgery or Alterations
Group Health Insurance
Sihle Insurance provides businesses of all sizes with quality group health insurance customized to fit your needs.
Obviously, designing the right benefit plan for your employees is a complex task. When you partner with Sihle Insurance, you will be introduced to a wealth of insurance, employee benefits, risk management tools, and industry trend information. Let the Experts Help Put Together Your Employee Benefits Plan
Sihle’s staff includes professionals with experience and knowledge in the employee benefits industry. Our expertise runs a large spectrum from brokerage, consulting, account management, risk management, claims, and underwriting. We have advised clients on benefit design, funding, administration and communication as well as issues related to compliance w/COBRA and HIPAA. We are also extremely adept at resolving carrier and vendor related issues at the contract and participant levels.
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD) and when layered properly can provide peace of mind when you need it most.