Business Insurance

Having the proper business insurance protection can make the difference between the success or survival of your business. Please contact our agency for an Insurance Review or 2nd Opinion.

Business Insurance

Business insurance protects your assets and human resources by minimizing operational hazards or financial risks associated with unexpected or fortuitous events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster.

Business Insurance provides protection for a broad range of financial losses as a result of the growing nature of risk and uncertainty in the marketplace. Today, your relationship with a professional and competent insurance counselor is very important.

Common Types of Business Insurance

General Liability Insurance

Insurance protection for allegations of bodily injury and/or property damage arising out of negligence or a tort under civil law from the use of premises, on-going operations, products, completed operations, and advertising and/or personal injury liability.

Commercial Auto Insurance

Insurance protection for allegations of bodily injury and/or property damage arising out of the negligent use of owned, leased, rented or non-owned covered autos, such as private passenger vehicles, trucks, and other motorized road vehicles. This insurance will also provide protection for the following financial losses - physical damage - comprehensive or collision - to covered autos, loss of use, first party benefits, towing and/or rental costs resulting from traffic accidents with 3rd parties or other property.

Commercial Property Insurance

Insurance protection for direct financial loss to an insured's covered property such as buildings or business personal property. This insurance protection will afford coverage from a variety of covered perils, routinely written with an "all-risk" or special covered "cause of loss" coverage form. It is important to review the limits of protection and loss settlement provisions, to include recognition of the common "co-insurance" policy provision, so an insured does not suffer a financial penalty as a result of not purchasing adequate property limits of Insurance. Indirect or consequential losses can also be insured, such as the loss of business income and the necessary extra expenses during the period of time that an insured must rebuild during the business interruption.

Commercial Umbrella Insurance

Legal Liability insurance protection that layers over underlying general liability, auto liability and employers liability for allegations of bodily injury and/or property damage to a 3rd party as a result of the insured's negligence. Customarily the minimum legal liability limit that an insured may purchase for a commercial umbrella policy starts at $1,000,000. Additional limits of liability insurance protection are available from the insurance carrier based upon the needs of the insured and the nature of the insured's business risk exposures. It is important for an insured to make certain that the underlying limits of liability for the various lines of insurance protection will satisfy the requirements for the commercial umbrella insurance underwriter. If an insured does not satisfy the underlying legal liability limit requirements, the insured might suffer a significant "uninsured loss" as a consequence of inadequate limits.

Professional Liability Insurance

Professional Liability Insurance and Errors & Omissions - E&O - Liability Insurance provides insurance protection for allegations of a "wrongful act, error or omission arising out of the insured's operations that results in financial harm to a 3rd party. Note that this insurance does not afford protection for allegations of negligence that result in bodily injury and/or property damage liability. Professional liability insurance is routinely purchased by engineers, architects, doctors, nurses, other medical professions, attorneys, public accountants, insurance brokers and other business professionals.

Workers Compensation

Workers' compensation insurance in most states is a statutory obligation for all employers. This type of insurance provides protection for an injured employee, while in the course of employment, for an employee's loss of wages and/or medical expenses resulting from a workplace accident or injury. An employer must provide this "no-fault" benefit in exchange for the employee's grant of waiving their right to sue their employer due to an employer's negligence or tort.

The types of insurance discussed above are customarily the foundation for a sound plan of business insurance protection.

Please navigate to the other types of business insurance available by clicking on the following button.

(215) 646-0550
550 Norristown Rd
PO Box 506
Spring House, PA 19477
Click Here to Email Us

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Business Insurance

We are licensed in PA, NJ, DE, MD & NY

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The Miller Financial Group
550 Norristown Rd
PO Box 506
Spring House, PA 19477
(215) 646-0550
Click Here to Email Us

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The Miller Financial Group is an independent insurance agency located in Spring House, PA. Our passion is to be advocates for individuals, households, businesses and the public sector and provide insurance and financial solutions that reduce risk and uncertainty. Managing risk and uncertainty demands an understanding of "how to" control and/or finance the possibility of direct and/or consequential "costs of financial loss" inherent in the lives of people, households, private business and the public sector. Emanating from the financial risks and uncertainty associated with human life, the ownership and use of property, negligent actions that cause harm to others, and the resulting consequential loss of income are all possible outcomes that are best managed with the purchase of a sound and affordable plan of insurance protection.

We are appreciative of your visit and inquiry to our agency’s website. It is not our intention to provide you with an immediate solution or offer of insurance but offer our visitors the opportunity to explore the potential cost & underwriting considerations for various household and small business insurance products and other financial solutions.

Upon the conclusion of your visit and inquiry about our agency, we are suggesting that you contact us and request a contact from one of our licensed insurance agents. We would be thrilled to begin a conversation with you to answer your questions and discuss the possible next steps in developing a sound plan that will protect your household or business against the risks of a potential financial loss due to a covered peril and resulting in the loss of human life, injury to workers, damage to your property, home, automobile, business, and financial harm as a result of death, disability, a long term care event or the prospects of outliving your income during your retirement years.

The Miller Financial Group does not guarantee that our agency will be successful with a favorable offer and solution. We will do our best to “listen and better understand” what is your objective and financial need, and take the best course of action that will lead you to the most cost effective and sound insurance and financial plan of protection.

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