Commercial Insurance
Gateway's commercial insurance clients are very important. We recognize that every commercial account is as unique as the business itself, requiring particular attention to specific insurance needs. Gateway's experienced commercial insurance professionals understand the need for quality insurance coverage and proactive service for our largest and most valuable accounts.
Business owners realize that the success of their business operation depends on many factors. One key element is the services and products provided by their professional insurance partners. Gateway Insurance and the companies we represent help you meet the challenges your business faces due to market uncertainty, legislative changes, and the many operational issues that relate to your loss mitigation strategies.
Gateway's commercial team applies its knowledge to business, insurance, and market developments as well as its expertise in devising the best solutions for your commercial coverage needs. In addition, Gateway offers special services devised for our commercial clients.
Coverages
Gateway offers a complete range of commercial insurance products that cover a multitude of general and specific business needs and commercial activities, including…
- General Liability, which covers bodily injury to others, property damage to others, personal injury (libel, slander), advertising injury, and so forth.
- Property Coverage, which insures the building(s), equipment, and contents of the business that are needed to operate it.
- Business Income Protection, which covers loss of income and payment of expenses that continue while your business property is unusable.
- Business Auto Coverage, while similar to personal auto coverage, can extend from one or a few business vehicles to large and diverse commercial fleets.
- Employment Practices Liability, which covers your business should an employee sue you for wrongful termination, discrimination, sexual harassment, and other reasons.
- Commercial Umbrella Coverage, which increases liability limits over an above those set in other business liability policies.
- Professional Liability, which covers errors in professional judgment and decision making (over and above general liability) that ultimately causes financial harm or injury to others.
- Directors & Officers Liability, which protects corporate officers, directors, and board members when sued for actions, decisions, or judgments that cause harm to others.
- Specialty Coverages, which are more precisely defined "niche" programs that relate to specific industries, practices, and needs.
- Transportation division, which specializes in auto liability, auto physical damage, cargo, nontrucking liability and occupational accident and disease.
- Workers Compensation is mandated coverage that pays benefits to employees who are injured on the job and/or unable to perform their assigned tasks.
- Surety division provides a wide range of contract bonds.
- Crime Insurance covers a broad exposure to crime, ranging from burglary and robbery to forgery, computer fraud and extortion.
Special Services from Gateway Insurance
Gateway Insurance delivers a special brand of commercial account service. Periodic visits to the client's office allow the introduction and integration of Gateway's service capabilities throughout the client's organization.
Commercial clients receive specialized client bulletins and letters throughout the year on topics of special interest to the employer. Gateway also conducts seminars on various topics such as…
- Employment Practices Liability
- The Legal Issues in Purchasing Automation Equipment
- Making Your Customer Service Team More Sales Oriented
Client feedback has been excellent as is evident by our increased retention. Your commercial business is extremely important to us. Your account will receive the special attention it deserves.
InScope
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AcuComp (NIAS)
An innovative, no-cost program that reduces worker compensation costs
To combat rising costs, Gateway Insurance offers AcuComp, an innovative, no-cost program designed to reduce workers compensation costs — immediately! If AcuComp is not included in your present workers comp program by your current agent, you are probably paying more than you need to.
Gateway is a leader in commercial and workers compensation insurance. Contact us today and we'll show you how to reduce your workers comp costs.
Motor Vehicle Reports & Certificates of Insurance
We offer prompt turn around of MVRS and Certificates of Insurance.
Summit First Watch
This service provides a monthly newsletter filled with informative updates on OSHA regulations, guidelines, and requirements, including Safety Meeting agenda items and sample tool box stuffers. Of greatest value is a 24/7 "Hotline" that clients can call for OSHA help, ranging from general questions on the law to Accident Management at the time of an actual loss. This invaluable service is provided free of charge by Gateway Insurance.