business insurance

Don’t let your business get pulled down because of a lack in business insurance or liability insurance.

General Liability Insurance
General Liability insurance protects your business in the event of property damage or bodily injury to others.  Depending on how your policy is designed, coverage can apply for accidents occurring on or off your premises.  If your product or the work you perform causes injury to persons or damage to property, you may be sued by the injured party.  You want to be certain you are protected.  A properly designed General Liability policy will defend you even if allegations in the suit are groundless or fraudulent.

If you operate a business of any kind , you need General Liability Insurance because you have no idea   what your liability loss could be.  With property, you know you could potentially lose your $100,000 building to fire, tornado, etc.  With liability, even what appears to be a “minor” incident could result in a multi-million dollar law suit.

The insurance professionals at Lawrence & Brownlee are eager to develop a plan to cover your general liability needs.  Call toll free at (800) 804-0896 or locally at (864) 225-8222 for a free business insurance review.

Lawrence & Brownlee Insurance has insured commercial general liability for businesses just like yours since 1912.  We represent only companies that are rated “A” by A.M. Best.

Worried about the costs?  Commercial general liability insurance is amazingly affordable.  If you scale down coverage to save on your insurance premium, it could very well force you out of business in the event of a claim that is not covered,….or reduced in coverage.  Our staff will work with you to develop a commercial general liability coverage plan to fit your needs and your budget.  We can also package your commercial general liability with property, inland marine and commercial auto coverage to save you even more money.

Professional Liability Insurance
As a busy professional, you are trusted for your expertise everyday. In fact, your expert opinions and advice are what customers pay you for. Are you protected from the consequences of claims that arise from that advice?

Professional liability insurance is the only way for your practice to mitigate the costs and legal expenses coming from claims of negligence from your customers.

In different professions, it may be known as malpractice insurance or errors and omissions insurance but at the core the concept is the same: to protect you in case of negligence lawsuits from your clients.

Negligence lawsuits focus on the failure to perform based on expectations or a contract, alleged misrepresentation, and other claims. They claim financial loss for the client based on your alleged actions.

Worried about the costs? Professional liability insurance in Anderson gives you a lot of protection for a lot less money than you’d expect.

You might think you are covered with your general liability policy but those more general policies only protect against bodily or property damage and some personal injury claims. You need a professional liability insurance policy to protect your business from potential negligence claims.

Anderson Professional liability insurance is available to professional practitioners such as doctors, lawyers, architects and accountants. This policy is used to protect a business from liability around claims of negligence.

Here are two reasons to get started right now!

  1. Protect your professional practice as soon as you can from devastating negligence claims. Get peace of mind right now.
  2. Get started right away with a no-risk quote. Simply fill out this form and we’ll get back to you with a comprehensive and affordable professional liability insurance policy.
Commercial Property Insurance
Computers, files, buildings, furniture, machinery and product inventory are key tangible components of your business. Loss of income, accounts receivable, employee dishonesty and food spoilage are intangible property items that can be just as important. The insurance professionals at Lawrence & Brownlee Insurance are eager to develop a plan designed to cover your commercial property insurance needs. Call toll free at (800) 804-0896 or locally at (864) 225-8222 for a free commercial property insurance review.

Lawrence & Brownlee Insurance has insured commercial property for businesses just like yours since 1912. We represent only insurance companies that are rated “A” by A.M. Best.

The initial fire or storm damage can be devastating to your business operations. A properly designed commercial property insurance program will significantly minimize your loss and the far reaching effects it has. Regardless of how careful you are or how many protective devices you have installed in your building, an unexpected property claim can happen at any time. A commercial property insurance policy designed specifically for YOUR business operations will provide the protection you need when that unexpected claim occurs.

Worried about the costs? Commercial property insurance is amazingly affordable. If you scale down coverage to save on your insurance premium, it could very well force you out of business in the event of a claim that is not covered…..or reduced in coverage. During these times of economic uncertainty, Lawrence & Brownlee Insurance understands your need to cut costs whenever possible. We will work with you to develop a commercial property insurance coverage plan to fit your needs and your budget. We can also package your commercial property insurance with general liability, inland marine and commercial auto coverage to save you even more money.

Commercial property insurance is available to any business owner with property to insure. Even if you don’t own the building you occupy, you’ll want to insure your furniture, equipment, inventory and files.

Here are two reasons to get started right away!

  • Since your property changes, it’s always a great time to review your commercial property insurance coverage needs.
  • You can save money and make sure that your property and other assets are fully covered.

It’s quick and easy to get a no-risk quote. Simply fill out this form and we’ll get back to you within a day with a customized, and affordable, commercial property insurance plan. Better yet, call Lawrence & Brownlee Insurance today at (800) 804-0896, or locally at (864) 225-8222 to discuss your commercial property insurance needs with one of our knowledgeable insurance professionals.

Commercial Automobile Insurance
Even if your business vehicles are not the primary way your business makes money, they may be the primary way your company loses money. Without a great business insurance auto policy you may be overpaying and left underinsured.

Commercial auto insurance in Anderson is different than personal vehicle insurance. Not only are there generally multiple vehicles but the liability from accidents or claims extends to your business.

You need to make sure that your coverage levels for your business auto insurance are high enough to protect your business and you personally from any claims–even unwarranted ones–that can be devastating.

Worried about costs? Don’t be. Commercial auto insurance is remarkably inexpensive – especially given how important the protection is to your business.

Anderson Commercial auto insurance can cover all of the following risks:

  • Comprehensive and Collision
  • Emergency Roadside Assistance
  • Liability
  • Medical Payments
  • Loss of earnings
  • Uninsured Motor Vehicle

Anderson SC Business insurance for commercial vehicles is available to any business owner who owns vehicles used for a commercial purpose. Coverage protects owners against damage and liability claims.

Here are two reasons to get started right away!

It’s always great to understand and review your current coverage levels – there may be an opportunity to reduce your costs and expand your coverage.

It’s easy to get a no-risk quote. Simply fill out this short form and we’ll get back to you within a day with a surprisingly affordable business auto insurance quote.

Equipment Insurance
More information will be coming soon about this insurance.  Feel free to contact us at Lawrence and Brownlee at (864) 225-8222 for more information. 
Workers Compensation Insurance
As a business owner, all aspects of your business are important and we know you have a lot to think about. Many things affect your bottom line and the cost of Workers Compensation Insurance is one of them. Lawrence & Brownlee Insurance has access to more than 20 Workers Compensation Insurance markets who are rated “A” by A.M. Best. You owe it to yourself to call (864) 225-8222 TODAY and speak with one of our Workers Compensation Insurance professionals for a free quote.

Workers Compensation is IMPORTANT

Imagine that your employee is injured in a work-related accident. What seemed to be a “minor” injury at the onset can evolve into MAJOR expense. A visit to the emergency room, several days in the hospital, surgery, and physical therapy could result in thousands of dollars in medical costs. Who pays all of those bills? Does your injured employee pay them out of his own pocket? DON’T COUNT ON IT!! If the employee is injured while working for you, YOU are ultimately responsible. Workers Compensation insurance is a VERY important element of your insurance portfolio. It will pay medical bills, wages and other necessary expenses relating to that employee’s work-related injury. If you don’t have a Workers Compensation insurance policy, chances are you will pay ALL those expenses out of your own pocket.

State Mandates Concerning Workers Compensation Insurance
The State of South Carolina requires that ALL employers with 4 or more employees maintain continuous Workers Compensation Insurance. The laws concerning Workers Compensation can be difficult to understand. Failure to maintain Workers Compensation Insurance subjects your business to substantial fines and penalties imposed by the state. Whether you have 1 or 100 employees, part-time, full-time, or day laborer, your employer responsibility is the same.

Reasons to Contact Lawrence & Brownlee Insurance:
Act now by calling (864) 225-8222 for an affordable Workers Compensation insurance quote. Lawrence & Brownlee Insurance has insured businesses like yours since 1912. We will address the following areas as they pertain to your business:

  • Evaluating the risk. Your business operations must first be analyzed including years of experience, type work performed, states you work in, past losses, number of employees and amount of payroll.
  • Rates are dependent on many variables including the risk evaluation. Final premium can be adjusted by applying discretionary credits for a profitable risk and premium discounts.
  • Experience Modification Factor is generated based on premium size and claims history and will affect your final premium.
  • Loss Control or Risk Management will minimize the severity and frequency of injuries to your employees, which in turn, saves you money.
Commercial Umbrella Insurance
More information will be coming soon about this insurance.  Feel free to contact us at Lawrence and Brownlee at (864) 225-8222 for more information. 

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