our Business Solutions cover
Property & Liability
Whether you have an office or a factory, your firm is exposed to risks of loss due to bodily injury, property damage, or libel and defamation. Business liability coverage covers your defense costs and settlements up to a defined limit.
Wesfair can review your coverage limits as well as what is and is not covered by your policy, helping to build you a risk management solution to protect you from liability-related exposure.
Cyber Liability
Almost every business takes possession of some form of private information from their clients. In doing so, you expose yourself to risks of attack on your company's systems, even when you take steps to protect them. There have been highly publicized examples in the media of large retailers and banks being the targets of these attacks. Even with the significant investments that they make in their IT infrastructure, they find themselves at risk.
Cyber Liability Insurance can help protect your company from the costs associated with the fallout of such an attack, should it occur. This can include defenses against regulatory actions and fines, defenses and penalties associated with related lawsuits, and costs of required remediation and notification expenses.
Errors & Omissions
In any business, employees make critical decisions every day. You never plan on making mistakes, but when they do happen, purchasing the right insurance can help protect you.
Errors & Omissions Insurance can help your business if you do make that mistake, or are accused of one by a third party. Legal costs and settlements are paid subject to policy limits so that you can continue your business as usual.
Workers Compensation
Even with only a few employees, you will likely need Workers Compensation Insurance. This insurance pays the medical bills incurred by employees injured on the job and helps to replace lost wages. Workers Compensation is a state requirement for most employers.
Wesfair can work with you to ensure that you have accurately classified your employees for rating purposes, avoiding surprise expenses that can arise from end of year audits by insurance companies. Let us review your current policy to see if we can help you with your Workers Compensation.
Employment Practices
Liability can sometimes arise from your own employees. Litigation regarding employment practices is becoming more and more common in today's business world. Lawsuits can arise from situations such as wrongful termination and allegations of workplace misconduct.
While you do your best to navigate federal, state, and local laws, you can often be exposed to litigation against your firm from the inside. Protect yourself and your firm with Employment Practices Liability Insurance.
Auto Insurance
Business travel can be essential to your company's success. It's important to protect your employees when they drive vehicles for business purposes. Whether it's their own car, a rental, or a company-owned vehicle, Business Auto Insurance will protect you and your employees on the go.
Small Businesses
A business owner's policy ("BOP") combines some essential insurance coverage into a standard package that is generally less than what would be required to purchase it separately. This type of policy is ideal for small to mid-sized businesses. BOPs consist of property coverage, liability coverage, and some additional protection that typical businesses need. Wesfair can discuss with you the options available and match the needs of your business.
Business Interruption
If your business must stay open despite an emergency, the extra expense associated with that can also be covered with an Extra Expense policy.
Ask Wesfair for a consultation and let us explain your options on how to best protect your business in the event of an unexpected closure.
Directors & Officers
Lawsuits against your business don't always begin and end with the company itself. Business decisions are never easy and your Board of Directors and corporate officers can also be targets of litigation. Ask Wesfair about how best to protect those who help to guide your firm with Directors & Officers Insurance.
Cargo Insurance
Your business works hard to create a quality product. Protect it in transit. Cargo Insurance covers your shipments in transit to and from your facility. Whether by road, rail, boat, or air, Wesfair can make sure that you have protection against lost and damaged goods.
we have the access.
We work with top carriers writing insurance across a variety of sectors.
We have the edge.
Clients want a broker who is engaged and up to date on the latest in the industry. Wesfair prides itself on working closely with our clients to educate them and provide a high touch solution for their insurance needs. We analyze and provide recommendations on best practices that relate to your firm’s risk mitigation and controls.
With Wesfair, you’ll get personal service from industry professionals.
At Wesfair, our licensed agents and brokers have on average over 25 years of experience advising clients. Our team is quick to handle customer questions and concerns personally, making sure that you get the answers you need to help protect your family and business.
