You've Built Your Business. Protect What You've Built.

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Running a business comes with risk.

The right insurance can help protect your company from accidents, lawsuits, property losses and other unexpected events that could disrupt your operation.

Payne Insurance Agency works with business owners to understand their risks and explore insurance solutions designed around the way they operate.

A contractor has different risks than a retail store.

A consultant has different needs than a restaurant.

A company with employees has considerations that a one-person operation may not.

That's why we start by learning about your business.

Depending on your operation, coverage options may include:

• General Liability Insurance 
• Commercial Property Insurance 
• Business Owners Policies 
• Commercial Auto Insurance 
• Workers' Compensation 
• Professional Liability 
• Business Interruption Coverage 
• Equipment Coverage 
• Umbrella Liability 
• Other specialized commercial coverage 

Coverage availability varies by business type and insurance carrier.

General liability insurance may help protect your business against certain claims involving bodily injury, property damage and advertising injury.

For many businesses, it's one of the foundations of a commercial insurance program.

A Business Owners Policy, commonly called a BOP, can combine several important coverages into one policy for eligible businesses.

We'll help determine whether your operation qualifies.

If vehicles are used for business purposes, your personal auto insurance may not provide the protection your company needs.

We can help you explore commercial auto options for eligible businesses and vehicles.

Your insurance needs can change as your company grows.

Adding employees, vehicles, equipment, services or locations can create new risks.

Periodic insurance reviews can help make sure your protection continues to reflect your operation.