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Business Insurance

Kelly Lee Insurance represents a number of companies that offer general and professional liability coverage for your business or organization. By working with an experienced TWFG agent you can avoid gaps in coverage and determine which company and policy is right for your business.  ​Call for your quote on:
  • Commercial Auto Insurance
  • Commercial Truck & Trucking Insurance 
  • Commercial Property Insurance 
  • Commercial Vessel Insurance 
  • Commercial Watercraft Insurance 
  • Passenger Vessel Insurance 
  • Contractors Insurance 
  • General Liability Insurance 
  • Workers Compensation
  • Commercial Umbrella Insurance
​​What does a General Liability Insurance Policy cover?
​

General Liability Policies protect against claims of negligence from employees, vendors, contractors,  clients, or private citizens. General liability insurance covers bodily injury, property damage, personal injury, advertising injury, liquor liability, contractual liability, loss of services, public liability, products-completed operations and employers.
​
It also include coverage for the cost of defense and associated expenses, costs of judgments and/or settlements from a covered claim as well as associated medical costs. General Liability policies usually start with split limits as low as $1,000,000 single occurrence and $2,000,000 aggregate for any covered loss.
​
General Liability can be part of a Business Owner Policy (BOP), purchased as part of a Commercial Package Policy or as a stand-alone policy depending on your business needs.

We represents several companies that offer General Liability coverage. It is important that the policy match the coverage you need. By working with one of our experienced TWFG agents you can avoid costly gaps in coverage.  Call for your Business Insurance Quote today. 
​What does Business Property Insurance Cover?
​

Business property insurance policies protect your businesses from a assortment of perils that can damage the building, signage, equipment and inventory. BP policies generally provide coverage for fire, theft, vandalism, damage from storms (windstorm or hail) or water damage stemming from a busted pipe.

Additional coverage may be available for things such as valuable records and papers, electronics, glass breakage and business interruption to cover lost income while your business is closed.
​

Business owners who own their own commercial property should look for a policy that provides adequate coverage to repair or replace the building and contents in the event of a covered loss so they can get back to business. TWFG represents a number of companies that offer business property insurance coverage.
The ‘Umbrella’ of Flood Insurance
​

Many business owners rest easy at night with a false sense of security. They have protected their business investments with insurance in case of a disaster, but fail to protect it against the most common of natural disasters with Flood Insurance.  

General Business and Commercial Insurance policies do not cover flooding damage. Fortunately, flood insurance is readily available through private and a U.S. government-sponsored program known as NFIP – the National Flood Insurance Program. There is a 30-day waiting period for new flood policies, So call for your no-pressure quote today. 
​​What does a Business Owners Policy Cover?
​

A Business Owners Policy (BOP) is a business insurance policy that provides a package of basic coverage for most small to medium sized businesses (SMB's). A BOP offers coverage that is normally less expensive than if it were purchased separately. BOP policy coverage includes property coverage for your building, liability coverage, contents coverage for inventory, equipment and fixtures and business interruption to replace lost income for up to a year in the event of a covered loss.

​Many other coverage options are available such as crime, glass breakage, outdoor signage, valuable papers and records and electronic data recreation may be available depending on the particular company.  Some examples of businesses that purchase BOP policies include: retail stores, service related businesses, professional offices, dry cleaners, wholesale suppliers, motel and hotel, deli’s and coffee shops.
​What does a Professional Liability Policy cover?
​

Professional liability insurance or professional indemnity insurance policies help protect businesses or organizations from possible negligence claims or lawsuits for services they provide. Claims are usually for negligence, good faith, errors, omissions, misrepresentation or incorrect advice.
​
Typical professions that obtain this type of coverage are general contractors, construction trades, doctors, financial professionals such as insurance agents and CPA’s, consultants, software developers, architects, engineers, brokers and lawyers. Charitable and non-profit organizations also often purchase professional liability policies.
​
Common names for this type of insurance are: professional liability, errors and omissions (E&O), directors and officers Liability (D&O) and employment practices liability.
​What does a Commercial Bond cover?
​

Commercial Bonds
 are generally thought of in terms of Surety Bonds. Surety insurance is a contract between at least three parties: the Surety provides the hiring party (obligee), a guarantee that the contractor or person hired (principal) will perform or they will be returned their funds.
​

There are two main groups of bonds: contract bonds and commercial bonds. Contract bonds guarantee the performance of a contract such as: performance, bid, supply or maintenance. Commercial bonds guarantee terms such as: permit, license, court, public official and fidelity bonds.

There are many different types of business that may require a Surety Bond such as financial institutions, healthcare, retail and service related businesses, contractors and technology companies to name a few. Surety Bond premiums vary and will depend on the type of bond, amount of the bond and the credit or financial strength of the person or business requiring it.
Don’t get caught without the insurance your business needs! Call Kelly Lee Insurance for your quote today.

We welcome the opportunity to earn your business, give us a call or drop us a line.​ 


Hours

M-F: 8 AM - 5 PM

Telephone

(337) 656-2890

Email

klee@twfg.com

Address

​3205 Ryan St
Lake Charles, LA 70601


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  • Home
  • CLAIMS
  • QUICK QUOTES
    • AUTO QUOTE
    • HOMEOWNERS QUOTE
    • FLOOD INSURANCE QUOTE
    • LIFE INSURANCE QUOTE
    • HOME & AUTO QUOTE
  • PERSONAL LINES
    • AUTO >
      • CAR >
        • CAR INSURANCE FAQs
    • HOMEOWNERS
    • MOBILE HOMES
    • RENTERS
    • FLOOD
    • BOAT & RV
    • LIFE
    • UMBRELLA
    • PROGRESSIVE INSURANCE
  • COMMERCIAL LINES
    • COMMERCIAL
    • BUSINESS AUTO & COMMERCIAL TRUCK
    • GENERAL LIABILITY
    • BUSINESS OWNERS POLICY
    • WORKERS COMPENSATION
    • CYBER-SECURITY
    • INLAND MARINE & CARGO >
      • CONTRACTORS INSURANCE
      • CHURCH AND MINISTRY INSURANCE
  • CONTACT
  • ABOUT
    • NEWS
    • NEWSLETTER SIGNUP
    • INSURANCE TERMS
  • PAY BILL
  • TWFG APP