Business Insurance

Business Insurance for Everyone.

Kape Insurance specifically tailors insurance policies and coverage’s to your industry. Businesses should contact Kape Insurance in order to learn about the specialized choices that we have available to you. Due to the multitude of insurance options available to large businesses, it is best to speak to one our specialized business agents to discuss your particular needs.

Business Auto

Help protect your business from the potentially devastating financial losses your company could incur if you are or an employee is found at fault for an auto accident. This policy covers you, your employees and company vehicles for injuries and damages, whether the vehicles are leased, owned, or rented. Auto’s Trucks, Trailers, Vans or other Commercial vehicles.

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Business Bonds

Whether you need help safeguarding business assets from fraud and theft; ensuring the performance of an obligation and compliance with a statute or court-mandated requirements; or bid, payment, and performance bonds are specifically underwritten to address the needs of general, highway/heavy, trade and specialty contractors of all sizes. We can provide your business with multiple commercial bond options.

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Personal Property

Business Personal Property (often known as contents): coverage for your owned property used in your business. This coverage may include items such as furniture and fixtures, stock, and other similar business property items. Personal Property of Others is personal property of others while in your care, custody or control.

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Commercial Buildings

Means coverage for your building attached structures and completed additions. This is often extended to include outdoor fixtures, permanently installed fixtures such as machinery and equipment and the building material used to maintain and service your premises.

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Commercial General Liability

This type of coverage is used to protect your business against claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability. As Independent Agents, we can shop multiple insurance carriers on your behalf to get the right mix of coverage for the best possible rates. Since we live in an age of million-dollar lawsuits, you will also want to add extra liability protection in the form of a Commercial Umbrella Policy.

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Cyber / Data Breach Insurance

Businesses today face greater risk than ever before when it comes to cyber threats. This type of protection is also known as Cyber Liability Insurance, and provides coverage after the theft or loss of both first-party and third-party data. This means that, whether the data breach happens directly to your company or to a company whose data you are working with, you’re covered.

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Employment Practices

The costs associated with employment practice-related claims can be staggering and are on the rise. Employers may face a number of claims and lawsuits over wrongful termination, discrimination, workplace harassment and retaliation. And a business owner doesn’t even have to be in the wrong to be sued. The right insurance to cover defense costs and damages related to various employment-related claims can be critically important to help protect business assets. We can provide a comprehensive and customizable Employment Practices Liability Insurance (EPLI) designed to help protect business owners and their businesses.

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Professional Liability Insurance (E&O)

Regardless of what kind of business you own, customers can claim that something you did on their behalf was done incorrectly, and that this error cost them money or caused them harm in some way.
In the litigious world we live in today, many business owners protect themselves with “Errors and Omissions” insurance (E&O). This type of insurance may be appropriate for anyone who gives advice, makes educated recommendations, designs solutions or represents the needs of others, such as teachers, consultants, software developers, copywriters, Web page designers, placement services, telecommunication carriers or inspectors.

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Workers’ Compensation Insurance

Kape Insurance Agency Inc. can help you with the Best Business Insurance Policies including Workers Compensation and all your Commercial insurance needs. Access to multiple companies and a commitment to quality service enables us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy.

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Business Owner's Policy (BOP)

Kape Insurance Agency can review your business needs and help you evaluate the commercial coverage options that make the most sense for your organization.

Purchasing a BOP is smart and convenient. It simplifies coverage needs by including business property and business liability, two important coverages that most businesses need, in one policy. Compared to purchasing separate policies for business property and business liability.

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Kape Insurance is here to help you find a Commercial policy that is right for you, your employees, and most importantly, your business.

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