Mainstreet Business

Most insurance companies refer to your business as "small". Here at Rogue Business Solutions we understand that while your business may be small, your impact on your communities is not. We specialize in providing coverage for the Mainstreet businesses that make up our local communities. We understand the unique risks and challenges that come with taking the risk to start your own business, and we are committed to providing comprehensive insurance solutions that meet the specific needs of our clients. With expertise and experience, you can have peace of mind knowing that your business is protected.

Business Owners Policy

A Business Owners Policy (BOP) is a comprehensive insurance solution designed specifically for small to medium-sized businesses. It combines essential coverage types into one convenient package, typically including: Property Insurance: Protects your physical assets, such as buildings, equipment, and inventory, from risks like fire, theft, and vandalism. Liability Insurance: Shields your business from claims related to bodily injury, property damage, and personal injury, ensuring you can cover legal expenses and settlements. Business Interruption Insurance: Provides financial support if your operations are temporarily halted due to a covered event, helping you maintain cash flow. By bundling these critical coverages, a BOP not only simplifies your insurance management but often results in cost savings compared to purchasing each policy separately. It's an ideal choice for business owners looking to safeguard their investments while focusing on growth and success.

Commercial Auto

Commercial Auto Coverage is a specialized insurance designed to protect vehicles used for business purposes. Whether you own a delivery van, service truck, or employee carpool, this coverage ensures you’re safeguarded against various risks associated with business-related driving. Key benefits include: Liability Protection: Covers bodily injury and property damage claims if your vehicle is involved in an accident, protecting your business from potentially significant financial losses. Physical Damage Coverage: Offers protection for your vehicles against theft, vandalism, and collision damage, ensuring you can repair or replace your vehicles when necessary. Medical Payments: Covers medical expenses for you and your passengers in the event of an accident, regardless of fault. Having commercial auto coverage is crucial for small businesses that rely on vehicles for operations. It not only meets legal requirements but also provides peace of mind, allowing you to focus on running your business effectively.

Professional Liability

Professional Liability Insurance, also known as Errors and Omissions (E&O) insurance, is designed to protect businesses that provide professional services or advice. This coverage is essential for professionals like consultants, accountants, and designers, as it safeguards against claims arising from mistakes, negligence, or failure to deliver promised services. Key features include: Legal Defense Costs: Covers the costs of legal defense if a client files a claim against you, even if the claim is found to be baseless. Claims for Negligence: Protects against claims alleging that your professional advice or services caused financial loss to a client. Settlement Costs: Provides financial support for settlements or judgments awarded to clients, helping to mitigate the financial impact on your business. Investing in professional liability insurance is crucial for small businesses to maintain credibility and protect against potential financial pitfalls. It allows you to operate with confidence, knowing that you have a safety net in place for unforeseen challenges.

Umbrella/Excess Liability

Umbrella/Excess Liability Insurance provides additional coverage beyond the limits of your existing policies, such as general liability, auto, or employer’s liability insurance. It offers extra protection against large, unexpected claims, helping safeguard your business from significant financial losses. This type of policy is ideal for businesses that want added peace of mind and coverage for potential risks that exceed their primary insurance limits.