These answers are not a substitute for legal counsel or financial advice.

What is the difference between Property and Liability insurance?
Your property is the foundation of your business. Property insurance protects your office building, it's contents and equipment.

Liability insurance is just as important as property insurance to protect your business. If a customer slips and falls while on your property, you need insurance to protect your business from litigation due to personal or bodily injuries.

Your Grogan Agency insurance advisor can further explain the difference and what coverages are essential for your particular business.

What is Umbrella insurance?
Umbrella insurance, also known as excess liability, is designed to give added liability protection above and beyond the limits on the business liability policy. The protection of the umbrella policy kicks in when the limits on the other liability policies have been reached.

The Grogan Agency's insurance experts can review your current coverages and business needs to determine if umbrella coverage is appropriate for your business.

Is my business required to have Workers' Compensation insurance?
Workers' Compensation insurance is required by regulation in most states if you have W2 employees. Workers' Compensation insurance covers medical and disability coverage for work-related injuries or illness.

Talk to a Grogan Agency insurance expert about the appropriate Workers' Compensation coverage for your business.

What is Errors & Omissions insurance?
Errors & Omissions (E&O) insurance may be appropriate for a business owner who gives advice, makes recommendations, suggests design solutions, or represents the needs of others such as consultants.

The Grogan Agency will be glad to explain in depth if E&O insurance is right for you.

What is Inland Marine insurance?
This broad type of insurance coverage was designed for shipments that do not involve ocean transport. Inland Marine insurance is coverage for property that involves an element of transportation. The property must actually be in transit or at a fixed location that is a means of transportation, or be a movable type of product that is often at different locations.

For more information or to get a quote, please contact us toll free at (877) 694-4000 or by using our request quote form today.