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Business Insurance

When it comes to insurance for your business, Horn & Co. Insurance Services can provide you innovative insurance coverages, products and services. Horn & Co. Insurance Services can help you insure the following businesses and many more:

Real Estate
Food Industry
Automotive
Professional Services
Other Retail/ Service Businesses

Coverage
Custom coverages that minimize possible gaps and costly duplications. Our Commercial Programs offers a wide range of coverages to protect your business and can be tailored to meet your specific property, liability and other insurance needs. Whether you have one, or several offices, We have a plan for you.

Price: Competitive and Flexible
We offer flexible pricing plans designed to reflect the unique characteristics of your business, taking into consideration: Limits, Coverage and Deductible Requirements, Past Loss Experience and Loss Prevention Efforts, Hazard Control and Safety Protection Features

Service: The high-quality service you deserve
You expect quality service. And that is what you will get - customized coverage accompanied by excellent service through professional, knowledgeable and responsive Agents and Claims Representatives.

Easy to Do Business With: Depend on us
Insurance is an important and necessary part of your business, but it should not be your major concern. Depend on our efficient, friendly agents and a wide range of insurance products for your insurance needs. Our agents can provide you an annualr eview of your policy and your changing needs.

Safety Education Materials and Loss Control: Your partner in safety
We offer a wide array of posters and brochures to reinforce loss control and safety programs, which assist in improving employee awareness and meeting legal requirements.

Property Coverages: Customized for the industry
Customized property coverages are tailored to meet your individual needs, including your buildings, business property, business continuation, replacement cost, inflation guard, and equipment breakdown coverage.

General Liability: Asset protection
Despite your best efforts to operate your business to the highest standards, you have unique liability exposures. Our liability coverage is your best defense, offering coverage for premises, products, contractual, personal and advertising injury, and many other liability exposures.

Crime Coverages: Quality protection
As a business owner, you have to concern yourself with theft losses you may sustain both inside and outside your establishment. We offer options that provide protection ranging from employee dishonesty to depositor's forgery, and broad form money and securities coverage.

Optional Coverages and Limits: Meeting your needs
While our policies are especially designed to meet your needs, we understand that as a business owner you may have unique requirements. That is why we offer you the choice of additional coverages and higher limits in some areas. You have the option to increase limits on coverages such as outdoor signs and accounts receivable, and add coverage such as employee benefits liability.

Business Auto Coverage
We also offer all the standard coverages plus many more options for the vehicles you own or rent and use in your business.

Workers Compensation
We can offer you Workers Compensation Coverage that will address managed care and fraud prevention programs and other custom services designed to cover you and your employees. Contact us today for your Workers Compensation insurance needs. (Not Available in all states)

Umbrella Liability Coverage
You often hear and read about large jury award resulting from liability lawsuits. Our Umbrella policy provides added coverage for those liability judgments that could be devastating to your business.

Contact us for more information on Business Insurance,or submit a quote request today.

This is a general description of coverage and is not a policy contract. The policy itself should be read for your coverages and exclusions. Insurance coverage underwritten by Farmers Insurance Group of Companies.