Insurance coverage is not one-size-fits-all. Protecting your business assets is essential to long-term success – and no two businesses are the same. Today, business owners require an agency with the knowledge and professionalism to offer a wide variety of specialized commercial insurance programs to meet their business’ unique needs. In addition, we also provide commercial coverage to non-profit and social services organizations. Call us today for a complimentary consultation.

Cavnar Insurance Agency offers the following commercial insurance coverage:

• Commercial Liability
• Fire Damage Liability
• Building and Contents Coverage
• Products Coverage
• Coverage for the property of others (Bailee)
• Loss of Income
• Business Auto (coverage for autos owned, leased, hired or borrowed by the business)
• Excess Umbrella Liability
• Professional Liability Insurance
• Workers Compensation
• Executive Life Plans

*Some of the above coverage plans can be packaged together as a Business Owners Policy.

Franchises and Restaurants.

Whether you have one unit or you are a hundred store franchisee, our firm can help. We specialize in helping franchisees, tenants and other commercial users get the coverage they and their Landlords require and can assist with advising you when to push back for market coverage, thereby lowering your costs. By reaching out to multiple carriers across the nation, we can insure that you get a lower cost than calling a national brand agent that doesn’t specialize in writing commercial policies. Need to move in fast? No problem, our team can write commercial policies as quickly as 24 hours.

Bonding

Bonding is a type of insurance or financial guarantee that protects one party if another party fails to fulfill their obligations—like completing a job, paying bills, or delivering services. For businesses, being bonded means you have a third-party backing you up, showing clients you’re trustworthy and financially responsible. It’s common in construction, service industries, and for anyone handling valuables or contracts. In a nutshell: bonding gives peace of mind to your clients and helps you win more work! A bond works like a safety net. If a business or contractor doesn’t do what they promised—say, finishing a project, paying vendors, or sticking to contract terms—the bond company (called a surety) steps in and pays the client or whoever was let down. The business then has to repay the surety for whatever was covered. So, if something goes wrong, the client isn’t left out in the cold, and the business is held financially accountable. Bonds build trust by guaranteeing that commitments will actually be met!