Business Insurance Products

Kiefer & Colbourne Insurance Agency offers many business insurance products to help your business manage risk. By using Colbourne Insurance Agency for all of your business insurance needs, you can count on knowing you have a comprehensive insurance solution from a trusted partner. Place your mouse over a product line to view more information.

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Business Owner Policy

Most BOP Insurance combines protection from all major property and liability risks in one package. Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

BOPs include:
Property insurance for the buildings and contents owned by the company.
Business, interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business.
Liability protection, which covers your company's legal responsibility for the harm it may cause to others.

CALL US TODAY 410-546-9388 OR 800-649-3114

Home Business Insurance

Home Business Insurance is a stand alone policy that can be purchased as an addition to your homeowners. On many home owner policies you can add an endorsement to cover home business losses but be advised typically this will not cover any liability. Home Business Insurance can cover business related data and papers, business interruption, employees, and liability for the business and products.

CALL US TODAY 410-546-9388 OR 800-649-3114

Professional Errors and Omission Insurance

Professional Liability Insurance (E&O) is one of the most important coverages for a business or individual professional. E&O coverage protects against loss from a claim of negligent acts, errors or omissions that may result from the performance of your services.

CALL US TODAY 410-546-9388 OR 800-649-3114

General Liability Insurance

General Liability coverage is the most basic type of commercial insurance and is limited to liability claims of bodily injury or property damage. Coverage is provided for accidents on your premises or at your customer's location. Some client contracts also refer to these policies as Comprehensive Commercial Liability. It is important to remember that these policies exclude errors and omissions type claims related to the delivery of your professional services.

CALL US TODAY 410-546-9388 OR 800-649-3114

Inland Marine Coverage Insurance

The Inland Marine Policy provides broadened coverage for classes of property often excluded or limited by other policies, such as the Homeowner Policy, Business Owner Policy, or General Liability. There are many classes of property that may be insured under an Inland Marine Policy. These include: Jewelry, Tools, Firearms, Equipment, Silver, and much more.

CALL US TODAY 410-546-9388 OR 800-649-3114

Surety Bonds Insurance

A Surety Bond is a contract between 3 parties: Principal, Obligee, and Surety. Surety bonds are commonly used in the construction industry to guarantee fulfillment of the terms of contract. There are many types of Surety Bonds.

CALL US TODAY 410-546-9388 OR 800-649-3114

Workers Compensation Insurance

Workers Compensation is required by law in most states. These policies protect your business from lawsuits resulting from workplace accidents, and provide compensation to employees who are hurt in workplace accidents. Rates can vary greatly based upon the employee's job function and the information provided to the insurance company. At Colbourne Insurance Agency, we pride ourselves in helping our clients properly classify and report this information to help them receive the best insurance rates possible.

CALL US TODAY 410-546-9388 OR 800-649-3114

Employee Benefits

Designing an employee benefits package that will keep your employees happy and on the job is not an easy task. We offer multiple products and a variety of plans. Our Group Voluntary products include: Term Life, Cancer and Specified Disease, Long and Short Term Disability, Dental, Accident, Hospital Indemnity, Critical Illness, and Limited Medical Benefits.

Flexibility within each contract allows the client to select a group program that best meets their needs. Most products also qualify under Section 125 of the Internal Revenue Code, meaning premiums can be paid pre-tax.

We also offer individual plans that include: Universal Life, Term Life, Cancer and Specified Disease, Accident, Hospital Indemnity, Heart & Stroke and Disability coverage.

CALL US TODAY 410-546-9388 OR 800-649-3114

Commercial Auto Insurance

At Kiefer & Colbourne Insurance we insure all types of vehicles. Of course, we can cover pickup trucks, cars, vans, and SUVs, but we also insure a variety of heavy trucks and trailers. Also, we do semi trucks, tractor trailers, box trucks and dump trucks. Regardless how big or small your operation may be we can handle your commercial auto needs.

CALL US TODAY 410-546-9388 OR 800-649-3114

Special Event Coverage

Often referred to as “wedding” insurance, special event insurance can be used to cover just about any special occasion you might be planning. Special event insurance mainly covers against damage to the space itself and injury to anyone in attendance. Most venues require some sort of liability insurance.

CALL US TODAY 410-546-9388 OR 800-649-3114