Business Insurance

At Calhoun Agency we work with you to protect your business.

Our independent status is a direct advantage to our clients. We are not associated with any one insurance company, which may have interests other than protecting your assets. Our focus is you. We will analyze your specific needs and develop the most cost-effective business insurance and risk management program.

Through our portfolio of insurance companies, we are able to offer a wide variety of coverages. Our team of professionals is skilled at selecting policies that best serve the unique needs of our clients. By asking the right questions, understanding your organization in-depth and then applying our expertise, we can offer an integrated suite of services that optimizes your coverage and minimizes expense and risk.

Property Insurance

Property insurance pays for losses and damages to your commercial property. For example, a property insurance policy would cover fire damage to your office space. Because every business is different, there are additional coverage options available.

  • Building
  • Contents
  • Business Income & Extra Expenses

Liability Insurance

There are different types of liability insurance, including:

  • General
  • Employment Practices
  • Professional
  • Cyber

Each one has its own benefit to your business. In general, liability policies protect your business from claims against it.

General Liability Insurance protects businesses against liability claims for bodily injury, property damage and personal injury.

Umbrella Liability Insurance is extended liability insurance. This is designed to help protect you from major claims and lawsuits and as a result, it helps protect your assets and your future. Without Commercial Umbrella Insurance, business owners could be obligated to pay out of pocket for legal fees, medical bills and damages that exceed the limits of their primary business coverages.

Employment Practices Liability insurance, known as EPLI, provides coverage to employers against claims made by employees alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues, such as failure to promote.

Professional Liability Insurance, or Errors and Omissions (E&O) Insurance, covers your business against negligence claims due to harm that results from mistakes or failure to perform. Each business has different concerns and it’s better to be protected.

Cyber Liability policies cover a business’ liability for a data breach in which the firm’s customers’ personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm’s financial records or electronic network.

Workers' Comp Insurance

Workers’ compensation insurance should be among the first insurance policies businesses get. This covers medical treatment, disability and death benefits in the event an employee is injured or dies as a result of their work at the company. Even if employees are performing seemingly low-risk work, slip-and-fall injuries or work-related medical conditions like carpal tunnel syndrome could result in an undesirable claim.

  • Medical
  • Lost Wages
  • Employers Liability

Commercial Umbrella Insurance

Commercial Umbrella Insurance provides businesses with additional liability coverage to protect them against potentially detrimental costs of claims.

Important assets can be at risk when businesses are the target of lawsuits or unforeseen circumstances. If the cost of a claim surpasses the limits of a business’s primary insurance policies, Commercial Umbrella Insurance extends coverage to further protect business assets.

Without Commercial Umbrella Insurance, business owners could be forced to pay for the following should they exceed what the primary coverage covers:

  • Legal fees
  • Medical bills
  • Damage expenses

Auto Insurance

Is your car an integral part of your/your employees’ job? Or maybe you own company cars/trucks. If so, those vehicles should be insured to protect businesses against liability in case of an accident.

  • Liability
  • Physical Damage
  • Towing


Bonding is a type of insurance policy that a bond issuer purchases that guarantees the repayment of the principal and all associated interest payments to the bondholders in the event of default. Bond issuers buy insurance to reduce the amount of interest that it needs to pay.

  • Surety
  • Bid
  • Performance
  • Site Improvement
  • License

Inland Marine Insurance

Inland Marine Insurance covers products, materials and equipment when transported over land – i.e. via truck or train—or while temporarily warehoused by a third party. Collisions and cargo theft are the two most frequent causes of inland marine losses.

  • Contractors Equipment
  • Tools
  • Property in Transit

Connect with our team to learn more about insurance options, request a quote or schedule an appointment.

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