COMMERCIAL INSURANCE

Auto Cycle & RV Dealer Insurance

With our Car Dealer specific programs, our plans offer needed coverage, and options, such as these. 

GARAGE LIABILITY: Provides protection for liability resulting from the maintenance and the ownership of the garage.   

DEALERS OPEN LOT: Provides physical damage coverage on vehicles that are owned by your business. Physical damage includes collision and comprehensive coverage, such as fire, lightning, explosion, theft, windstorm, hail, flood, and vandalism and malicious mischief.   

GARAGE KEEPERS LIABILITY: If your operation does repair/body work on vehicles that are not owned by the dealership, you need this coverage to protect against damage to your customers’ vehicles in your possession.   

AUTO LIABILITY: Provides protection in the event of a lawsuit because of an auto or motorcycle accident.       

E & O COVERAGES: Certain errors and omission coverages related to the operations of used car dealers may include: Truth in Lending/Leasing Liability, Federal Odometer and Prior Damage Disclosure Liability, and Title Errors and Omissions. Business Insurance in Eagle, Business Insurance in Boise, Business Insurance in Meridian, Business Insurance in Garden City. Anywhere in Idaho, or Oregon, we can help. 

 BAR , TAVERN, and RESTAURANT INSURANCE

Your restaurant, tavern or pub may share some of the same risks as other establishments across the U.S., but with some unique challenges and needs, as well. At the March Insurance Group, we have helped bars, taverns and pubs, obtain the vital insurance protection they need. We find ourselves working with a wide variety of food service facilities, and venues. We know what you’re up against as a business owner. We understand the risks you face being in the hospitality industry. Bar and Restaurant Insurance is a specialty program dedicated to the restaurant industry. Before we recommend an insurance product for you, we take the time to understand your current and future needs. We ask about your clientele, your neighborhood, your exposures both from customers and employees. Only then do we create your custom package, which is specific to the restaurant business, and may include;  

• General Liability insurance
• Worker’s Compensation plans
• Property insurance
• Company Auto (management or deliveries)
• Bonds
• Garage Keeper/valet parking liability
• Employment practices liability
• Food borne illness coverage
• Crime/fidelity policies
• Electronic instrument policies
• Liquor Liability   

  Contractors General Liability

 Getting the right contractors general liability insurance in place can protect you from lawsuits, mishaps and third party property  damage that can devastate your business. Normally, you will need a few different categories of coverage for complete liability protection:  

General liability: The foundation of all contractor insurance coverage is a general liability policy. This coverage will provide two types of protection: 

Bodily injury: Provides coverage if you or someone you employ  causes injury or death to a third party during the course of work. It  provides for medical care for the injured person and covers your legal  defense if you are sued for damages.
Property damage: Provides coverage if you or one of your  employees causes damage to property belonging to others. This includes  the building or property you are working on or any third-party property. 

Other coverage to consider;

Completed operations/product: Provides coverage in case a  project you finished has an issue or causes damage. It can also extend  to any products you sell or distribute.

Advertising personal injury: Covers the risk of damaging another's reputation or causing a loss through slander, libel or false advertising claims.

The specific contractors liability insurance coverage you need will be unique to your business. We will help you create a package, to cover those needs.   

 Mechanic Insurance

Garage insurance is going to be very similar to an auto dealer program, and offer many of the same coverages. With our garage specific programs, our plans offer needed coverage, and options, such as these. 

GARAGE LIABILITY: Provides protection for liability resulting from the maintenance and the ownership of the garage.      

GARAGE KEEPERS LIABILITY: When your operation does repair or body work on vehicles, you need this coverage to protect against damage to your customers’ vehicles in your possession.   

COMMERCIAL AUTO LIABILITY: Provides liability protection on your garage owned vehicles in the event of an auto accident.     

Retail Insurance Policy

Most retailers have a Business Owner’s Policy (BOP). And generally, that is what we suggest. Why? Because it helps protect your retail business or store in much the same way a homeowner’s insurance policy protects your home and personal belongings.
By combining three basic insurance coverages that are essential to most  small businesses, including retailers, a Business Owner’s Policy can help save your small business money on insurance rates while protecting  the enterprise you’ve worked so hard to develop.     

1. General Liability–  helps protect your retail business from certain lawsuits alleging  injuries or property damage that occurred as the result of your business  operations, like if a customer is injured while shopping in your store  or an employee accidentally damages a customer’s personal property while  helping them with a purchase. It even helps cover certain claims of  slander and libel. Business Liability insurance does not cover  liabilities directly arising out of the professional retail services you  may provide.
2. Commercial Property –  helps protect the place where you run your retail business and the  tools and equipment you use to conduct business, like rolling crates,  store shelves, computers, and cash registers – whether you own or lease  them.
3. Business Income – helps cover the income you would lose if you couldn’t run your retail store because of covered property damage.

 Electronic Cigarette Insurance Program for Manufacturers, Importers / Distributors & Retailers:      

• E-Liquid Coverage: PG, VG, Nicotine, Flavorings, and Fragrances.  
• Hardware Coverage: Mechanical and Electrical Devices.  Including batteries, chargers, and all related accessories.    
• Primary Liability limits: $250,000 to $5,000,000 with Option for Excess Liability for a combined total of $30,000,000
• Will Consider sales from $1.00 to $1Billion 

We Make it Easy to do Business With Us:   

• Quote by phone and Email 
• Premiums start at $5,000 for Product Liability Policies, and $1,000 for General Liability Policies Excluding Product Liability  
• New ventures accepted   
• Easy payment plans available
   

 Are you having a hard time finding Product Liability? We can help! Rechargeable and disposable electronic cigarettes, personal vaporizer devices, and/or e-liquids which are manufactured in China or any other country are eligible for coverage. The policy we offer is CGL - Commercial General Liability: which includes Product Liability, Personal Injury, Advertising Injury, Medical Payments, and Tenant Liability.  Additional coverages available include business personal property and loss of business income.