Commercial Property Insurance

You’ve worked hard to build your business and you need to protect every aspect of it—that includes the property on which your business operates and the equipment used in day-to-day activities. Whether you own the land and building where your business is located or lease the space from someone else, commercial property insurance is needed to cover your physical assets, including your building, furniture, equipment, inventory, exterior fences and signage.

Commercial Flood

Commercial flood insurance covers both damage to your building and its contents. It is a vital component of protection for the building’s structure, fixtures, equipment and inventory. Flood insurance will not only cover damage caused by overflowing streams and rivers, but also from burst pipes—so just because your business isn’t located in a flood plain, doesn’t mean you don’t need flood coverage. Note: Some insurance companies apply a waiting period before your commercial flood policy will go into effect, so don’t wait until there is a storm on the way to get commercial flood insurance.
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Commercial Umbrella

Also known as excess liability insurance, commercial umbrella insurance covers you when your other policies fall short. One lawsuit and the doors to your business could close forever; however, umbrella insurance keeps you protected when standard liability doesn’t.

Landlords Insurance

If you are a landlord, you are especially vulnerable to lawsuits. Landlords insurance gives you liability coverage for your building and property, peace of mind that your legal fees will be covered in case of litigation, and fair rental income protection.
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Commercial Liability

You’ve worked hard to create your company and can’t risk losing it all. As a business owner, being held liable for even one claim could destroy your livelihood. That’s where commercial liability insurance comes in. At Wheelers Insurance Agency, our agents are experts in commercial insurance and are here to advise you on what you need and don’t need in a commercial liability policy.

Employment Practices Liability

As an employer, you are vulnerable to many potentially devastating claims, such as wrongful termination, discrimination, sexual harassment and breach of contract. Employment practices liability insurance protects employers against lawsuits such as these.
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General Liability

If an accident happens on your business’ premises, you could be held accountable. In addition to protecting yourself and your business in the event of liability lawsuits, general liability insurance will cover you in in the event of property theft, vandalism, and bodily injury or property damage due to fire.

Workers Compensation

As an employer, you have a responsibility to keep your employees safe from harm. Laws differ from state to state, and Wheelers Insurance Agency is an expert in Maine’s unique workers compensation requirements. One of our agents can guide you through the process of finding the policy that is right for you and your employees. Remember that workers compensation insurance is different from a general commercial policy and is meant to cover medical expenses, lost income, and wages and death benefits.

Business Owners Insurance

Also known as BOP, a business owners policy combines coverage for the property and liability risks of small- or mid-sized businesses. BOPs can include items such as property insurance, reimbursement for lost revenue due to fire and liability protection.

Professional Liability

You are an expert in your field; however, even the experts occasionally make errors. Professional liability insurance protects you in the event that you are held legally liable for harm caused to a client because of a professional service you provided.

While we can handle any business’ needs, we also specialize in certain industries. Click Specialty Insurance on the main menu to learn more about we have to offer these industries:

AUTO SALES & SERVICES

CONTRACTORS

PROFESSIONAL SERVICES:

  • Accountants
  • Lawyers
  • Offices
  • Day care
  • Realtors

RETAIL & HOSPITALITY:

  • E-commerce
  • General Retail/Storefronts
  • Restaurants
  • Hotels/Motels/B&B’s

OTHER:

  • Farms
  • Maine Wilderness Guides
  • Nonprofits
  • Municipalities
  • Weddings/Special Events
  • Directors & Officers

At Wheelers Insurance Agency , we realize that commercial insurance can seem overwhelming. With so many different types of coverage out there, finding the policy right for your business can be a daunting task. That’s where we come in. We are here to help you navigate through the sometimes confusing insurance industry to make sure that you and your business are protected when you need it most. Contact us today by calling 207.743.8927 or filling out the form on the right.

Contractors

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As a contractor, a lot of responsibility falls on your shoulders. You need to make sure the job is done on time, under budget and up to code. All the while, you must make sure the workers that you’re responsible for are safe.

But, at Wheelers Insurance Agency , we know that accidents happen on even the safest of work sites. You may take safety very seriously, but what if one of your workers is injured while handling power tools? Are you protected if someone is hurt while operating heavy machinery? Who is responsible if a water pipe bursts, flooding the work site?

Whether you are a carpenter, a plumber or an electrician, Wheelers Insurance Agency is here to help you find the contractors policy that best fits your specific needs. Should the unexpected occur, we’ll make sure you’re protected with an insurance plan that can get the project back on track, with an emphasis on employee safety.

If you’re a general contractor, a painter, a landscaper or a handyman, we’ll work with you to create a customized insurance plan tailored to the needs of your small business. We want to ensure that all your resources—including the people and equipment that make it all happen—are protected so that you can complete your work on time.

From proposal to completion, you stay on top of all aspects of your contract jobs. Keep your projects on schedule and under budget with a tailored insurance plan from Wheelers Insurance Agency . Fill out the Get Started form on the right or call us at 207.743.8927 to get a free, personalized quote today. Keep in mind that we also have offices in both South Paris and Bethel—so feel free to stop in and talk to us face to face about the ways we can help you succeed.

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