Several of our clients own businesses.  Whether you own a home based business or you own a business that has multiple commercial locations, Ardent Insurance INC, can help you find the right policy for the best price.

Risk Management:

Is the profession or technique of determining, minimizing, and preventing accidental loss in a business, e.g. by taking safety measures and buying insurance.  At Ardent Insurance INC we take a risk management approach to placing insurance for your business.

Commercial General Liability (CGL):

What prevalent risk exposures does your business need to insure against?  Commercial general liability coverage may be written as a monoline policy or as part of a commercial package.  Most CGL policies provide broad coverage, and can be written as occurrence and/or claims-made coverage.

Commercial Vehicle Insurance:

Does your business own vehicles that are driven by employees?  Then you probably already have a commercial auto policy for your business.  Compared to personal vehicle liability exposure, the risk exposure for business vehicles is usually higher.  The reason for this INCrease in liability exposure can be attributed to many things, such as the size of your business plus the past driving records of your employees.

Workers’ Compensation Insurance:

Insurance, which covers work related injuries to employees, which is paid by the employers, as required by government.

Business Owners Policy (BOP):

A BOP is a packaged policy, which provides insurance for both property and liability exposures.  The BOP policy is appropriate for many small to medium sized businesses.