Coverage for Your Business

Protect your Investment

No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Randall Insurance Agency Inc. would like to return the favor by giving you the coverage you need to ensure the security of your business. 

At Randall Insurance Agency Inc., we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 

We offer the following options for your business assets: 

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Bonds

Assurance for You and Your Business

Owning a business means taking risks. At Randall Insurance Agency Inc., we offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.

The professional and knowledgeable bond specialists at Randall Insurance Agency Inc. will work with you to develop a business solution to help meet all of your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.

Our business solution services include:

Business Owners Policy (BOP)

Combined Coverage for Special Advantages

At Randall Insurance Agency Inc., we’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That is why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

A Business Owners Policy (BOP) from Randall Insurance Agency Inc. allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.

The proper Business Owners Policy can keep your day-to-day operations protected with options such as:

Commercial Auto Insurance

Peace of Mind for Businesses on the Road

Randall Insurance Agency Inc. understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.

To prevent losing your hard-earned revenue due to an auto accident, you will want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from Randall Insurance Agency Inc., we will work with you one-on-one to create a customized policy that may include:

Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.

Since Commercial Auto Insurance coverage varies, it is important to discuss your business’s options with a specialist at Randall Insurance Agency Inc. who can help you determine the proper amount of coverage for all your commercial needs.

Commercial General Liability

Critical Assurance for the Protection of Your Business

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. At Randall Insurance Agency Inc., we can help you create a policy that is designed to safeguard the best interests of your business – so you can focus on serving your customers and increasing your profits.

Commercial General Liability from Randall Insurance Agency Inc. can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Randall Insurance Agency Inc. include:

Other types of Commercial General Liability include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

Commercial Property Insurance

Protection for Your Business Itself

Every day you work hard to ensure that your business stays up and running. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity. That is why it is important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.

With a custom Property Insurance policy from Randall Insurance Agency Inc., you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:

Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

Commercial Umbrella Insurance

Extra Protection that Keeps You in Business

As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances, or even your operations.

With Commercial Umbrella Insurance from Randall Insurance Agency Inc., you can protect your business and your assets in the event that your company gets sued in a major lawsuit.

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.

What Does Commercial Umbrella Insurance Cover?

Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where Commercial Umbrella coverage can safeguard your business:

How Much Umbrella Coverage is Enough?

Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at Randall Insurance Agency Inc., our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.

Crime Insurance

Specialty Coverage for Dishonesty in the Workplace.

Unfortunately, crime and employee dishonesty can happen. As a business owner, sometimes it’s impossible to know whether the employees you hire are an honest fit for the job, and by the time you discover the truth, the damages can be costly.

At Randall Insurance Agency Inc., we can help your business develop a plan that keeps your assets protected in the event of such a specific circumstance. With Crime Insurance, your policy can include coverage for various situations, such as:

Since there are limitations to your commercial crime policy, you should carefully discuss your options with Randall Insurance Agency Inc. to find out what kind of insurance your business needs based on your current situation and potential risks.

Fidelity Bonds

Protect Your Business From Theft and Dishonesty

As a business owner, even if you take every precaution possible to ensure the security of your business assets, theft and dishonesty can still happen. Without the right coverage, businesses can lose important data or experience major financial losses as a result of fraudulent activity.

A Fidelity Bond from Randall Insurance Agency Inc. can indemnify your company in the event of theft. Our coverage options range from the protection of businesses to the security of non-profit and professional organizations. With the right Fidelity Bond, you can cover your assets, including money, personal belongings, computer equipment, supplies, and more. Your business or organization can also cover any employees or volunteers.

Types of Fidelity Bonds

Fidelity Bond options from Randall Insurance Agency Inc. include:

ERISA Bonds – for covering any claims that involve a violation of the Employee Retirement Income Security Act (ERISA). This includes situations that range from imprudent investments to failure to enroll employees.

Employee Dishonesty Bonds – that cover fraudulent acts committed by employees on the property of your business, including theft and other violations.

Business Service Bonds – that protect against theft of a client’s or customer’s property on their premises as a result of your employee’s careless actions.

Leave Management

Manage, Track, and Report Leaves and Absences of your Employees

Employers must monitor their employees’ absences. Leave management services will help track, report, and reduce expenses that arise due to employee absences. Everything from sick leave and vacation, to paid time off and military leave may be covered under a leave management policy.

At Randall Insurance Agency Inc., we provide a number of leave management services:

As an employer, the right leave management services policy will help keep your employees happy and your company running smoothly. Contact a representative at Randall Insurance Agency Inc. today to go over your options.

Loss Control Insurance

Minimize Risks to Keep your Business Running Smoothly

Risk management and loss prevention are crucial when it comes to running a business. Not only is it necessary for you to provide a safe work environment for your employees, it is also important to be prepared in the event an accident occurs in the workplace.

Keep your business risks to a minimum with loss control coverage from Randall Insurance Agency Inc.. We provide a number of loss control services, including but not limited to:

Industry-Specific Services

Randall Insurance Agency Inc. has your business covered; from healthcare practices to technology services, we provide industry- specific services to match your business’ needs. Our consultants are reliable and efficient in controlling and preventing the inherent risks that come with running a business.

Inland Marine Insurance

Off-Site Protection for Your Valued Assets

Your products and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it is important to keep your investments protected. With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.

At Randall Insurance Agency Inc., we are dedicated to providing the coverage your business needs for the asset protection it deserves. Our Inland Marine policy insures that when your business is on the move, we will protect certain items, such as:

What Inland Marine Can Do for Your Business

No matter what business you are in, an accident can happen at any time. That is why it is important to have an Inland Marine policy from Randall Insurance Agency Inc. to provide your business with the appropriate coverage it needs during transit.

Since Inland Marine covers items outside of your standard Business Property Insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’ goods or equipment when transported by ocean and air, also known as Ocean Marine.

Marine Insurance

Your Business Never Sleeps, Protect it Every Step of the Way

Marine insurance is meant to provide both inland and ocean marine coverage. When your business transports property, you want that cargo to be covered every step of the way. Marine coverage provides protection throughout the entire transport. Randall Insurance Agency Inc. proudly provides businesses of all sizes with the protection they need to run smoothly.

Our marine insurance options include, but are not limited to:

Professional Liability

Mistakes Happen

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

At Randall Insurance Agency Inc., we understand that mistakes happen. That is why we are committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

What Does Professional Liability Cover?

While it is important for your business to have general liability coverage for property damage and bodily injury, Randall Insurance Agency Inc. recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Directors and Officers Liability (D & O) – Having financial protection for your business’ Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Fiduciary Liability – Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Employment Practices Liability – With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Surety Bonds

Back Your Obligations

Your primary goal as a business owner is to ensure that your operations run smoothly and efficiently on a daily basis. But in special circumstances, the performance of your business may require extra attention that assures an obligee that you, the principal, are performing as promised.

At Randall Insurance Agency Inc., we specialize in providing bonding services that help to protect the integrity of your business. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.

Types of Surety Bonds

Randall Insurance Agency Inc. can write a variety of Surety Bonds including:

Since there are many types of Surety products, it is important to discuss your options with a licensed, professional bond agent. Our underwriting services are flexible to meet your unique business needs, and we specialize in a high-degree of customer care that will ensure maximum consideration for your assets.

Workers Compensation

Keep Your Employees Protected

Randall Insurance Agency Inc. understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they are properly protected.

But should an accident happen, having the right Workers’ Compensation plan from Randall Insurance Agency Inc. can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

Workers Compensation can cover financial obligations such as:

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That is why it is important to discuss your options with a specialist at Randall Insurance Agency Inc. who can help you find the right coverage options for all your business needs.

Randall Insurance Agency Inc.

239 East Main Street

Greenville, OH 45331

Get Directions

Main office: 1-937-548-1181
Fax: 937-547-0575 

Office Hours:

Mon:    8:30 AM – 5:00 PM
Tues:    8:30 AM – 5:00 PM
Wed:     8:30 AM – 5:00 PM
Thurs:   8:30 AM – 5:00 PM
Fri:        8:30 AM – 5:00 PM
Sat:Closed
Sun:Closed