Business Insurance

What does Business Insurance cover?

The core coverages of Business Insurance are:

  • Personal and Advertising Injury
  • Product and Completed Operations
  • Fire Legal (Tenant Legal Liability)
  • Medical Payments

Standard limits of Business Insurance are:

  • $1,000,000 Per Claim
  • $2,000,000 Aggregate (maximum paid during a policy year for all claims)

Excess Liability/Umbrella:

  • Excess limits are layered on top of the primary policy (BOP or CGL – Commercial General Liability)
  • We offer standard limits of $10,000,000 and up to $150,000,000 with the involvement of reinsurance.

There are two types of Business Insurance policies.

  1. Commercial General Liability includes personal and advertising injury, product and completed operation, fire legal and medical payments.
  2. Business Owners Policies: Includes Commercial General Liability and added coverages such as employee dishonesty, loss of business income, hired and non-owned auto, etc.

Which Business Insurance policy is right for you?

  • Business Owners Policy (BOP)  is always offered to a flower shop and similar main street businesses.  As a general rule, the lower the risk the more coverages are offered.
  • Commercial General Liability will be offered to a manufacturer of children’s toys, importer of cigarettes, medical devices, and other types of businesses which are considered high risk.

How much does a Business Insurance Cost?

  • Business Owners Policies (BOP’s) start at $350
  • Commercial General Liability Policies start $500

Can you buy Business Insurance Online?

Yes, you can buy business insurance online at your convenience and even use your iphone or ipad.

About Calco Commercial Insurance

Calco Commercial Insurance Services is a privately held company which provides quality (A.M. Best “A” Rated) insurance policies. As an intermediary our capabilities allow us to offer affordable and comprehensive coverage for the retail, wholesale, manufacturing, transportation, entertainment, government and professional services industries. We are pioneers in online quoting and policy delivery, interfacing with our clients via every modern avenue of electronic communication available in the 21st century.

The CALCO Advantage:

  • Quote Online
  • Buy Insurance Online
  • Receive Your Policy Online
  • Pay Your Bill Online
  • Monthly ACH Debit
  • Annual Premiums from $350

Mission Statement:
Our mission is to save you money on your insurance policy without compromising coverage.

Insurance Policies:
The insurance policies we offer are individually selected and customized for each client. Whether you are a consultant, a small business owner, or control a medium to large sized company, our commercial insurance specialists can successfully arrange a customized policy to meet your needs.

Expansion Plans:

We plan to expand and sell business insurance in the following states in the near future:

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), Colorado (CO), Connecticut  (CT),Delaware (DE), Florida (FL), Georgia (GA),  Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana  (MT), Nebraska(NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico, (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA),  Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA), Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

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