Joy Insurance Agency Bolivar, TN

Workers' Compensations-a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

 

General Liability- insurance that guards against claims of negligence. It protects the business, big or small, and its owner(s) from financial loss when a customer or employee sues for negligence, including suits brought when a customer slips and falls on the company premises or when an employee is injured on the job.

 

Commercial Property-an for of insurance that covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured, personal property of others on site and in insured’s possession. Coverage can be on an all risk or specific perils basis.

 

Business Owners Policy-a packaged policy of insurance products that usually includes property and casualty, liability, and a business interruption policy. The BOP is targeted towards small and medium sized businesses with with well-defined risk.

 

Commercial Package Policy-a means of providing property insurance for a larger business or organization. A businessowner can select from such coverages as commercial property, commercial general liability, crime, inland marine, boiler and machinery, commercial auto, and farm.

 

Group Health Insurance-an insurance plan that provides healthcare coverage to a select group of people. Group health insurance plans are one of the major benefits offered by many employers. These plans are generally uniform in nature, offering the same benefits to all employees or members of the group.