Business insurance helps protect important assets such as business property and income. It can even provide programs to help injured workers get back to work and help cover lost wages. Commercial insurance policies also help protect businesses from financial losses resulting from liability claims including things like data breaches.
Essential Business Coverages
At its core, a comprehensive business insurance solution will help protect a company’s property, income and financial assets. Small businesses that choose a business owner’s policy enjoy the broad protection of commercial property, general liability and business income coverage through a single business insurance policy.
Commercial property insurance – Most businesses own a substantial amount of physical property. This property may include one or multiple locations as well as tools, computers, inventory and even accounts receivable. Commercial property insurance can help cover the loss of these assets if they are damaged or destroyed by a covered event.
General liability insurance – No matter how cautious businesses are, accidents can happen. For example, a customer may accidentally get hurt in a company’s store, or employees may accidentally damage customer property while working on-site. General liability insurance can help protect businesses from liability claims such as bodily injury, property damage or even advertising mistakes.
Business income insurance – Businesses rely on many types of property to function and generate income. If business operations are suspended due to a covered loss like a fire or theft, business income insurance can help replace income lost because of the covered event.
Tailor Your Business Insurance with an Array of Options
Your business is unique and deserves coverage appropriate to the specific risks you face. That’s why we offer a wide range of options that allow you to customize your policy with coverage endorsements to address your unique needs. Some popular options include:
Data breach coverage – Most businesses are at risk of data breaches. Data breach insurance can help replace lost income if a business shuts down temporarily due to a breach. It can also help cover the costs associated with managing the breach. With data breach coverage from The Hartford, businesses can even get access to help creating policies and best practices to help prevent breaches from happening in the first place.
Workers’ compensation – In the event that an employee suffers from a workplace injury or illness, workers’ compensation insurance can help pay for the associated medical expenses as well as compensate the employee while they take time off to recover from a work related injury or illness. If you have employees, many states require this coverage.
EPLI (Employment Practices Liability Insurance) – This product provides coverage to employers against claims made by employees alleging discrimination )based on sex, race, age or disability, for example), wrongful termination, harrassment and other employment-related issues, such as failure to promote. Small business are often the most vulnerable to employment claims.
Our Team
Jeffrey Welty, President
jwelty@cbisusa.com | Phone: 858-761-2681
Matthew Welty, VP Sales - P&C
mwelty@cbisusa.com | Phone: 858-603-2457
Jeff's career began in 1976. Specializing in employee benefits, he developed packages that enhance employee benefits and reduce employer cost. Combining the power and traditions of Colonial Life, IRS approved strategies, and technology allowing payroll integration. Jeff has given our customers more cost effective, efficient ways to do business.
Jeff overseas the direction and day to day operations of CBIS. A member of the BBB and national award winner for sales and service.
Matt started in the business 11 years ago. He specializes in Property and Casulaty insurance sales. He handles auto, homeowners, life, workers comp, liability and much more.
Shannon Cummings, Account Manager
scummings@cbisusa.com | Phone: 858-569-1000
Brett Welty, VB Sales
bwelty@cbisusa.com | Phone: 858-848-4879
Shannon joined CBIS in 2008. Since then, she has become our key Account manager for the company, as well as an integral part of the CBIS team. She handles all new and existing benefits for groups, carrier contacts, and customer service. Our client satisfaction is her number one priority.
Brett started in the business in 2001. He specializes in Voluntary Benefits with Colonial Life with an emphasis on technology, enrollment support and benefits education.
Client Benefit Insurance Services is committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability. We aim to adhere as closely as possible to the Web Content Accessibility Guidelines (WCAG 2.0, Level AA), published by the World Wide Web Consortium (W3C). These guidelines explain how to make Web content more accessible for people with disabilities. Conformance with these guidelines will help make the web more user friendly to everyone. Whilst Client Benefit Insurance Services strive to adhere to the guidelines and standards for accessibility, it is not always possible to do so in all areas of the website and we are currently working to achieve this. Be aware that due to the dynamic nature of the website, minor issues may occasionally occur as it is updated regularly. We are continually seeking out solutions that will bring all areas of the site up to the same level of overall web accessibility.
If you have any comments and or suggestions relating to improving the accessibility of our site, please don't hesitate to contact our accessibility coordinator Brett Welty by phone at 858-569-1000 or by email at bwelty@cbisusa.com. Your feedback will help us make improvements.