Business and Commercial

An Insurance Plan Built to Keep you on the Move

Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.

Semi Truck

Semi-trucks are a special category when it comes to insurance. These vehicles face two major threats when they're out on the roads—collision (as we described above) and theft. Reports have noted that theft is becoming increasingly professional in nature, and the average loss is in the hundreds of thousands of dollars. If you have several trucks robbed at the same time, it's not hard to see how quickly those losses could put you out of business.

Our semi-truck insurance policies are designed to meet these changing threats and provide you with the support you need if something goes wrong. We'll work with you to get incidents resolved as quickly as possible so that your truck can get back on the road—most trucking companies don't have spare vehicles sitting around, and we know how important it is for you to keep your fleet in top condition at all times.

For more information about these policies, call a Wolff Insurance Agency agents today and ask for a quote. Be sure to have information about your existing business on-hand, including what type of products you're shipping, how many trucks your company owns, what models they are, and how far they typically travel. This will help us find the policy that's most affordable for you and still meets all of your insurance needs.

Box Truck

A great deal of business relies on moving items from one place to another—and box trucks provides a reliable way to transport a number of goods. Whether you're helping people change homes or moving products from a distribution center to a retail store, you're helping to meet a steady demand for transporting items in bulk.

However, the sheer variety of goods that can be transported also means there's no one box truck insurance policy that's suitable for every company. A vehicle transporting bread loaves doesn't need as much insurance as a vehicle transporting expensive furniture, and neither is as risky as a box truck transporting crates of electronic parts. This is why insurance is available in different amounts—and why couriers should know their options.

Box Truck Insurance Policy Features

Consider two major aspects of box truck insurance policies:

Insure the Vehicle to help cover things like liability in collisions or physical damage to the truck from any source. A truck that isn't moving isn't making money, and keeping it in good working order is critical to the success of your business.
Insure the Cargo to help protect your company in case cargo is damaged or destroyed during transit. A few wrecked packages in a large load aren't hard for most companies to cover, but a major collision that destroys most of the truck's contents (including some genuinely irreplaceable items) could leave your company on the hook financially. Cargo insurance secures the value of transported goods in the event of an accident.

When you call for a rate quote, let us know the size and model of your truck or trucks, how often you're on the road, and what goods you usually transport. This will help us find the most affordable policy for you while still covering all of your needs.

Call Wolff Insurance Agency today for more information and a free quote.

Dump Truck

If a dump truck is part of your business operation, you understand the importance of insurance for that vehicle. All vehicles need to be insured, of course, but dump truck insurance can make sure you are covered from unique issues related only to a dump truck.

Wolff Insurance Agency agents can help you with basic insurance on the vehicle itself that protects from standard risks, but dump trucks are also vulnerable to the following hazards, and require additional insurance:

Hauling heavy or jagged material could damage the truck

Dump trucks often operate where no roads exist

Breakdowns that cost you time and money; you can avoid the financial loss with adequate dump truck insurance

Dump Truck Insurance Features:

If you have employees operating your dump truck, you need workers compensation insurance. If someone is injured while working, you want them to be covered, as required by law.

Also, consider liability. Your truck could get into an accident, and most policies cover that. However, you may also be working on another person's property and may need liability insurance to protect you if your truck has an accident and causes personal or property damage. In those cases, it is not just lost operating time that matters; you could be facing a lawsuit.

Wolff Insurance Agency agents are familiar with the differences between state insurance regulations and requirements and can assist you even if you work in more than one state.

Call Wolff Insurance Agency to make sure you are covered and that you can handle any crisis that develops. Our professional staff can make sure you have the best possible dump truck insurance. When you call, have the following information available:

The make, model and year of the dump truck to be insured

The type of dump truck and its hauling capacity

Where the dump truck will be used

The type of work it will be used for

The value of the vehicle

We will also need the number of employees and how many of those employees will be operating the truck. With this information, we can provide you with an affordable insurance quote for your dump trucks or other vehicles.

Tow Truck

Wolff Insurance Agency proudly offers industry-specific insurance options for tow trucks and auto transporters. Our program is built to cater to the particular

needs of your industry.

Tow truck insurance is a highly specialized arena and that's why you need the kind of specialized expertise that the agents of Wolff Insurance Agency provides. We've done all of the hard work for you so that you can be confident that you will be presented with the best companies in the industry. Shopping for towing insurance has never been this easy or efficient.

Wolff Insurance Agency proudly offers industry-specific insurance options for tow trucks and auto transporters. Our program is built to cater to the particular needs of your industry.

Here are some of the insurance options we offer to tow trucks & auto transporters:

Garage-keepers liability

Automobile liability

Legal liability

Theft coverage

On hook coverage

Contact a representative at Wolff Insurance Agency today to set up a consultation.

Trailer Insurance

An Insurance Plan Built to Keep you on the Move

Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.

Whether you drive an 18 wheeler with a dump body trailer or a pickup truck with a utility trailer, Wolff Insurance can find you affordable trailer insurance coverage options to meet your needs.

Wolff Insurance offers commercial truck insurance for the following tractor trailers:

Dry Freight

Auto Hauler

Flatbed

Utility Trailer

Refrigerated Trailer

Dump body Trailer

Transfer Box

Concession trailer

Bulk commodity trailer

Fleet Insurance

An Insurance Plan Built to Keep you on the Move

Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.

If your business owns and operates three or more vehicles as part of its daily operations, you may be eligible for a fleet insurance policy. These plans resemble a commercial auto policy that covers many vehicles at the same time, helping you to meet coverage requirements at an affordable rate.

Industries that can benefit from fleet insurance coverage include:

Government agencies
Construction companies (including those with large construction vehicles like bulldozers)
Taxi services
Vehicle rental companies
Delivery services
Any other company that operates a fleet of vehicles
As of 2013, the Bureau of Transportation Statistics found that there were over eleven million fleet vehicles in service, with government and rental use seeing the most growth over the years.

Fleet Insurance Features: Commercial Auto Insurance

Commercial vehicle policies are a major part of fleet insurance, and they cover the vehicles themselves against damage and loss.

In most cases, fleets that focus on services (handymen, locksmiths, and similar professions) will see the largest discount on their premiums. Vehicles used for retail work, such as delivering food or flowers, usually see a more moderate reduction in premiums. Finally, companies that ship either people or large volumes of products see the lowest reduction, simply because there tends to be more damage in a collision. The current average is more than $20,000 for each incident, and since fleet drivers tend to be on the road far more than the average person, there’s a greater likelihood of a collision sooner or later. However, this is when having the proper insurance coverage becomes invaluable.

What's Covered by Fleet Insurance

The main component of fleet insurance is its blanket coverage of vehicles and employees—any employee will be insured while driving any vehicle in your fleet unless they've been specifically excluded from the policy. This is ideal for companies where vehicles frequently have different drivers, as well as companies that have vehicles out on the roads on a regular basis. All fleet insurance policies will meet or exceed the minimum amount of coverage required for commercial vehicles in your area.

If you're not sure whether a vehicle you use qualifies for coverage under a fleet policy (for example, you have a privately-owned vehicle that's also used for business purposes), talk a Wolff Insurance Agency agent and they'll let you know if your vehicle is eligible.

Cargo & Freight

The ability to move products from one place to another is the backbone of our entire economy. Whether you're moving products from a port to a store for sale, helping people move between homes, or transporting raw materials for manufacturing, you know how important it is to get the job done safely and on time. However, without cargo insurance and freight insurance, your business could be at risk if any of your trucks is involved in a serious collision.

You already know how important it is to complete a job correctly. From ensuring loads are packed securely to recruiting safe drivers, you're constantly invested in making your business the best it can be. Wolff Insurance Agency can help make sure your efforts are protected, and that if something does go wrong, you'll be able to continue operating.

Cargo Insurance Coverage—What's Covered and What's Excluded

Most cargo that is shipped under a proper bill of lading will be covered by your cargo insurance. Major exclusions include, but are not limited to:

Alcohol, Tobacco, some medicines, and any illegal drugs

Currency and Valuables (especially art, jewelry, coins, and cash)

Items considered dangerous (acids, explosives, or radioactive items, including some fireworks and other celebratory products)

Living creatures

Anything owned by your company

If you plan to ship anything excluded from cargo insurance, it may be covered by another policy (especially if you own the items in question). Otherwise, you can talk to one of our agents about alternatives for cargo insurance and freight insurance that can actually cover the transportation of high-risk items.

Freight Insurance Coverage—Large and Small Freight Shipping Coverage

Your shipping volume is a major factor in finding just how much insurance you need. In 2014, there were over 400,000 collisions involving large trucks, which comes out to over 1100 collisions every single day. The majority of these incidents are not the fault of the commercial truck driver, but the simple truth of the matter is that they do occur on a regular basis.

It's also important to note that collisions are not the only forms of loss—theft is a major problem in some areas, and average losses approach a quarter-million dollars per incident.

Larger trucking companies require more insurance in case there are problems with multiple vehicles, such as thefts from multiple trucks parked in one place. Even smaller companies are at risk, though, making cargo insurance and freight insurance one of the most important defenses of any hauling company.

Garage Insurance

Garage insurance protects businesses with garage facilities from all kinds of risks, such as injuries, property damage, and human mistakes. Without this insurance, a small business' reputation can be seriously tarnished and hard-earned money will go not to profits, but to payouts.

Garage liability insurance mostly applies to towing businesses and service stations that help protect customers' cars and trucks while they are serviced or held. For instance, if a customer's vehicle is damaged due to the business' negligence, the vehicle would be covered under a garage insurance policy.

Some of the more common kinds of garage insurance are:

Body Shop Insurance

Repair Shop Insurance

Tow Truck Insurance

Transmission Shop Insurance

Garage Insurance Features

Garage liability coverage is another insurance type available to small businesses. It provides liability coverage for any accidents that may happen as a result of your day-to-day garage operations. These accidents may result in bodily injury, personal injury or property damage.

A business owners’ policy (BOP) is an option small businesses have when looking into garage-related insurance. It is perfect for individuals who need a bit more than the basic liability because business owners’ policy (BOP) offers protection for incidents like identity theft coverage and loss of income.

Workers' compensation insurance covers medical costs, rehabilitation expenses and any lost wages an employee might experience after getting ill or injured on the job. It also provides financial support to the family of any garage employee who dies from a job-related injury or illness.

With all that garage insurance has to offer, many small auto-related businesses make the choice to purchase this valuable protection. You can do it, too. Give Wolff Insurance Agency a call. We will give you a quote and tell you more about what this insurance can do for you and your small business. Get in touch with us today!

Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.

Limousine

Insurance Options that Will Keep You on the Move

Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.

Wolff Insurance Agency is proud to offer insurance options to those in the limousine services industry. We understand that your business requires a very specific set of coverage options. We will work with you to come up with a protection plan that fits your needs.

Here are some of our coverage options for limousine services:

Automobile liability

Garage-keepers liability

General liability

Theft coverage

Body or mechanical damage

Whatever your needs, Wolff Insurance Agency will provide you with the coverage you deem necessary to stay on the cutting edge within the life sciences field.

Contact one of our insurance specialists today to schedule a consultation.

Mini-Bus

We all know how important it is to have a vehicle covered by insurance, but if you're using a minibus to transport people, standard coverage may not be adequate in the event of an at-fault collision.

This is mostly a matter of scale. If eight or ten different people are all injured in a collision, a standard policy probably won't be able to cover the medical payments for all of them, leaving you to make up the difference. The larger policy cap of minibus insurance makes it much easier to handle a high number of claims.

Minibus Insurance Features

There are three major forms of minibus insurance:

Private use covers minibuses that are used for a single large family. This is an especially popular choice for families that are too big for a standard-size vehicle and decided to pick up a large van instead.
Hire and Reward covers the use of minibuses for picking up passengers, accepting payments from them, and dropping them off at another location. Essentially, this is the use of minibuses as a taxi service.
Business use covers minibuses that are used for any reason except private use or hire and reward. Groups that would need this format include churches, clubs, schools, organizations, and businesses that decide to pick employees up in a van rather than having all of them commute on their own.

As the owner of a minibus, you want to be sure that everyone inside of it is covered. The amount of insurance you need can vary depending upon how many people use the minibus as well as the purpose of its usage. Speak to a Wolff Insurance Agency agent about how you plan to use the vehicle before asking for a quote. This will help you get the most affordable coverage while making sure everyone in the vehicle is adequately covered.

School Bus

Wolff Insurance Agency can be fully trusted to service your needs for insuring a single school bus or an entire fleet. We partner with you to secure the exact coverage that you need. We have a broad range of options and we’re able to customize them to your specific needs.

Safety is the top priority when it comes to the operation of school buses. At Wolff Insurance Agency, we understand that safety within the industry spans from the operations of the business itself to the day-to-day transportation of students. A quality protection plan will help give you the peace of mind of knowing that all operations are safe.

Wolff Insurance Agency is proud to offer the following protection plans to school bus contractors:

General liability

Umbrella coverage

Commercial auto

Equipment breakdown coverage

Body or mechanical damage

And much more…

Call today to set up a consultation! One of our representatives will help you develop an insurance package that will keep you protected.

Rideshare

Do you drive an Uber or other rideshare companies? If so, it's time to start thinking about how well you're insured. Now, most rideshare companies themselves have a ridesharing insurance policy, but it doesn't cover every risk you might be exposed to, and it could be changed at any time. Having your own policy means that you will always know what your coverage is and thus how to act accordingly.

In general, ridesharing insurance comes in two versions.

First, comprehensive coverage focuses on giving you all of the coverage you may need while providing rides to other people. This includes a comprehensive liability policy, bodily injury coverage, collision insurance, and related policy elements.

Supplemental coverage is different and focuses on filling in the gaps that a ridesharing service's insurance policy does not cover. For example, the ridesharing service may not cover a vehicle before that vehicle is matched to a rider—so if you're involved in a collision before you find someone to pick up, you'd need to use your own policy instead.

Both forms of coverage are viable options. If you're not sure which policy is best for you, talk to one of our agents about Uber insurance and discuss your options.

Rideshare Insurance Requirements

Most drivers who work with Uber or another ridesharing company can get this extra coverage. However, the way you interact with a ridesharing company may affect the type of coverage you're offered. When you speak with a Wolff Insurance Agency agent, it’s helpful to have the following information on hand:

History of Ridesharing: How experienced are you with ridesharing, and have you had any trouble in the past? Experienced drivers with few or no incidents may be able to get a better rate.

Frequency of Work: How often do you provide ridesharing services? Is it something you do on the weekends for some extra cash, or are you offering rides as a full-time job?

Type of Vehicle: What type of vehicle do you use, and more importantly, what are its safety ratings? Vehicles with an outstanding safety rating—particularly in parts of the vehicle where passengers are seated—may be easier to insure.

Other Things to Know About Ridesharing Insurance

Ridesharing is still a relatively new industry, and it's almost certainly going to continue changing over the next few years. Insurance policies will be changing with it, and factors like which company you partner with, how safe the rides are judged to be, and even how much the industry earns may affect your policy and your premiums.

The most important principles at this time are laid out in a policy paper adopted by the National Association of Insurance Commissioners, and drivers are encouraged to read this and familiarize themselves with concepts like "periods" (when each form of insurance applies), potential insurance requirements, and how much coverage is needed when providing ridesharing services. Wolff Insurance Agency agents are more than happy to meet with you to review and explain these principles.

For more information on ridesharing insurance, contact one of our agents.

"Sharing a Ride, But Not Insurance: Ridesharing Drivers May Face Insurance Coverage Gap." Consumer Alert. December 2015. Accessed April 18, 2016. http://www.naic.org/documents/consumer_alert_ridesharing_drivers.htm.

Specialized Truck Equipment

Whether you repair, distribute, or manufacture specialized truck equipment, you will need a versatile insurance plan to match the services offered by your business. Wolff Insurance Agency will provide you with the attention to detail required to come up with a unique protection plan for you and your business. We understand the intricacies of specialized truck equipment industry.

Our coverage options for specialized truck equipment include, but are not limited to:

Theft coverage

Property insurance

Commercial auto

Lock re-keying or replacement

Contact Wolff Insurance Agency today. Our representatives are here to help you build an insurance bundle that’s right for your business.

Van Insurance

There are many types of van insurance that offer different options depending upon your needs. Wolff Insurance Agency agents specialize in many types of commercial insurance and will give you a quote that both provides the coverage your van needs, and is cost effective.

Our commercial auto coverage for vans and hauling vehicles includes:

Liability insurance to cover damage you cause to other people, vehicles, or property.
Collision coverage to cover damage you cause to your own vehicle, such as running into a tree.
Comprehensive coverage to cover vehicle theft and damage from falling objects, fire, glass, animals and some natural disasters.
Medical payment insurance to provide some limited coverage for injury to you and others, including some funeral coverage.
Uninsured motorist coverage that gives you coverage if the other motorist involved in an accident has no insurance.
Towing or roadside assistance for the cost of towing, tire changing, a dead battery, and similar roadside repairs. This feature includes road service for breakdowns.
Rental Reimbursement to cover the cost of renting a vehicle while yours is in the shop after an accident.
Other forms of insurance can be purchased as add-ons, such as coverage of your tools in your van. These additions are, generally, relatively inexpensive.
Umbrella policies are available that can increase your coverage over the basic liability limits.

Van insurance requires an agent and insurance company knowledgeable in business insurance lines and commercial auto coverage. You need someone who understands the needs and necessities of companies that depend on their transportation capabilities and vehicles to thrive. Whether it's for an individual vehicle or a fleet, call a commercial insurance professional at Wolff Insurance Agency today for your options and a competitive price quote.

Professional Services

Insurance Options Catered to your Business

Accounting Firms

At Wolff Insurance Agency, we offer coverage options for accounting firms designed to cater to specific needs within your industry. To go along with the core coverage options we offer, we will work with you to create a protection plan that’s unique to your business. Avoid potential financial problems that may arise if you find yourself in a situation where your business is not properly covered.

We provide a multitude of insurance options for your accounting firm:

Workers’ compensation
Liability coverage
Commercial auto insurance
Property insurance
Umbrella coverage
Professional liability

Contact an insurance specialist at Wolff Insurance Agency today to set up a consultation.

Car Dealership Insurance

Car dealerships have many insurance needs, including:

The risk of vehicles being stolen from a lot
Loss of inventory from natural causes (weather, disasters, etc.)
Damage to customers' vehicles when they're brought in for repair
Rental vehicles (especially those loaned to customers while their vehicle is in the shop) being damaged or destroyed

None of these costs are minor—the bill for each damaged or lost vehicle can start in the thousands of dollars and can climb rapidly from there. Car dealership insurance offers reimbursement for these expenses when they occur, allowing you to cover your losses and continue operating your business. Many dealerships have already seen the value of this coverage when something goes wrong—especially when the problem was neither foreseeable nor preventable.

Car Dealership Insurance Features

Insurance can turn a crisis into a manageable situation, allowing you to spend more time giving your business the attention it needs to thrive. Be sure to ask an Wolff Insurance Agency agent about how much car dealership insurance you actually need, and let us know information like:

How many vehicles are on display in your lot
What types of vehicles you sell
What additional services (vehicle repair, new paint jobs, etc.) your dealership offers
How many employees you have

Our goal is to make sure you're fully protected by the plan you choose, and our talented risk assessors can help you find threats you may not have even realized existed. Reputation is everything in the auto dealership industry, so protect yours with the confidence that comes from being fully insured.

Common Area and Liability Coverage for Jointly Owned Properties

People often choose condominium living for the convenience, community, and the ability to rely on a condo association to maintain everything outside of their home. While condo owners are responsible for insuring and securing their personal space and property, the association is responsible for all common areas. As such, it’s important for condo associations to have the right insurance policy to protect against exposures like structural damage or the increased liability faced by having a pool or fitness center.

Depending on your association’s bylaws and whether you’re overseeing a high-rise deep downtown or townhomes in the suburbs, your coverage demands may vary. Our agents at Wolff Insurance Agency carefully consider these factors, along with legal guidelines, to craft an insurance policy that meets the needs of your condo association in terms of products, limits, and deductibles.

Coverage Options for Condominium Association Insurance

Your association should have a master policy that covers all of your common structures and property including buildings, hallways, elevators, and sidewalks. But a truly complete insurance package will often also include options like these:

General Liability: A standard inclusion with many types of insurance, this protects you against all types of accidents and incidents that can occur on your property
Directors’ and Officers’ Liability: This keeps your board from being held personally responsible for decisions they make while serving the association
Sewer and Drain Backup Coverage: Although it’s often critical to have, protection against sewage backup is often excluded in a standard association plan

As mentioned, your insurance needs will be determined by your association’s operational practices, governing rules, and type of property. We can help you sort through the details to find the right plan.

Doing Our Best for You

At Wolff Insurance Agency, we not only understand how to build a secure condo association insurance policy, we shop a number of the nation’s top carriers to ensure you get the best rates available. Contact one of our agents today and let us go to work for you.

Your business is an investment of the utmost importance. You need to protect what matters most to you. From core coverage to coverage that’s specific to your business needs, Wolff Insurance Agency provides industry-specific insurance options aimed at consulting firms.

Avoid potential financial setbacks that can occur if your business isn’t properly covered. Here are some of the insurance options Wolff Insurance Agency name provides to consulting firms:

Professional liability
Umbrella coverage
General liability
Property insurance
And much more …

Contact a representative at Wolff Insurance Agency to build an insurance package that suits your business.

Complex Insurance Options, Built for the Education Industry

Educational facilities continue to grow, as do the risks involved in operating them. Schools require multifaceted protection plans that can match the complexity of the institutions themselves. At Wolff Insurance Agency, we offer a variety of solutions, ranging from protection plans for private and public elementary and secondary schools, and universities and colleges. Our industry-specific insurance offerings will adhere to the needs of your educational facility.

Here are some of our insurance options for educational facilities:

Liability coverage
Property damage
Casualty insurance
Student accident coverage
Workers' compensation

Contact Wolff Insurance Agency today to schedule a consultation with one of our insurance specialists.

Industry-Specific Coverage, Built for your Business

At Wolff Insurance Agency, we work hard to create services and coverage options that fit the specific needs of your business. We understand the protection needs of Financial Institutions, from investment firms and insurance companies, to community banks and credit unions. Each Financial Institution has very specific needs, which is why we provide industry-specific protection plans.

Check out some of our coverage options below:

Property Coverage
Liability Coverage
Commercial Auto
Errors & Omissions Coverage
And many more!

Contact an insurance specialist at Wolff Insurance Agency today to schedule a consultation.

High-Quality Protection for your Firm

Your law firm requires industry-specific coverage, and Wolff Insurance Agency understands that. We have worked hard over the years to help ensure that we can provide the protection necessary for you to keep your business running smoothly. Wolff Insurance Agency offers core coverage options, as well as specialized coverage meant to cater specifically to law firms.

Check out some of our coverage options for law firms below:

General liability
Professional liability
Legal liability
Umbrella coverage
Property insurance

Contact a representative at Wolff Insurance Agency today and set up a consultation

Keep your Assets Protected

You will want to ensure that your real estate business is covered properly, primarily based on what type of real estate you are in. At Wolff Insurance Agency, we will work with you to create a business owner’s policy that can lump coverages, such as:

Property insurance
Liability insurance
Business vehicle insurance
Workers’ compensation
And much more …

Wolff Insurance Agency will help you lump together the right protection plan so you can keep your business protected in as an efficient manner as possible. Contact us today to set up a consultation.

Secure Protection Plans for your Business

Security guard insurance from Wolff Insurance Agency can cover everything from different job sites to different situations and operations. We work hard to provide the security guard industry with a wide variety of coverage options.

Our insurance options for security guards include, but are not limited to:

Professional liability
Personal injury
False arrest
Commercial auto
Commercial property insurance

Contact a representative at Wolff Insurance Agency today to go over these options and many more!

Stay Ahead of the Field with a Quality Protection Plan

The technological industry is constantly evolving, which is why businesses within the industry must move fast to stay relevant. The last thing you need to worry about is whether or not your business is properly covered. Valuable equipment, software, and irreplaceable data are at the core of technology companies and need to be protected from all potential damages.

Wolff Insurance Agency will work with you to build an insurance package that’s as versatile as the industry in which you work. Our coverage options for technology services include, but are not limited to:

General liability
Loss control services
Errors & omissions
Umbrella coverage
Products liability
Property insurance
Cyber liability coverage

With such a wide range of potential protection plans, it’s important that you contact an insurance specialist at Wolff Insurance Agency to go over all of your options. We will help you find a plan that’s right for your business.

Contractors

Cleaning Business

When you own a cleaning business, you do more than just clean. Special challenges abound, including the potential for liability or exposure in your business. Business insurance can be a little more complicated for cleaning companies than it is for other businesses because of increased liability exposure.

Cleaning Business Insurance Features:

Business insurance can cover more than just equipment; it also can cover lost time due to mechanical failures, power outages, and other unforeseen difficulties that are out of your control. Consider also workers compensation insurance, should an employee be injured on the job.

Another area of potential liability is if you or one of your employees cause damage to a client’s property or other people. Most cleaning operations involve being on property belonging to your clients, so your employees face the risk of damaging client property or causing injury and being held liable for that damage. A wet floor, for example, could expose your firm to liability if someone falls and is injured as a result of your cleaning work.

Having an insurance agent who knows the ins and outs of business liability coverage is crucial for your peace of mind. Insurance rules also vary greatly between states, so you need an agent familiar with the geographic area you service to make sure you have the most appropriate cleaning business insurance. Consider, too, if you work in more than one state, how that will affect your insurance needs.

Call Wolff Insurance Agency today to make sure you have suitable coverage for your cleaning business insurance needs. Ask about any additional liability coverage you might need. If you are a first-time customer looking for insurance, call our office to see how we can help cover your business for all the scenarios that could impact it.

Contractor

Contractors get the job done—but take on a lot of risk while doing it. The Bureau of Labor Statistics reports that about 4% of all workers in the industry suffer injuries or illnesses—and the resulting costs add up. This is compounded by the many other problems that can occur at a given work site. Due to the many risk factors contractors routinely face in their work, good insurance policies become essential to any successful contractor's operation.

You should also consider how you're going to run your business. For example, running it as a Limited Liability Company (LLC) can help insulate you from cost overruns and avoid putting your personal assets at risk if a claim larger than your policy is filed. Our agents can help you determine the likelihood of hazardous situations to your business and how best to prepare for them.

What a Contractors Insurance Package Covers:

Contractor's insurance covers problems typically associated with the risks of construction and renovation projects, including risks to your employees, your work site, and anyone or any equipment involved. Most of these policies are a combination of other policies, often including:

A Business Owner's Policy
General Liability Insurance
Worker's Compensation
Commercial Vehicle Insurance
From there, what coverage is needed depends on the work that you do. Contractors in different industries often have different insurance needs (and occasionally different requirements, depending on local legislation). Wolff Insurance Agency can help you determine which forms of insurance are required for your company and ensure that you're never left exposed.

Contractors Equipment Insurance:

Getting a job done takes more than human expertise and a keen eye for detail—you need to have the right tools for the job, or it's probably not going to be finished. However, if something goes wrong and your equipment is damaged or destroyed, you stand to lose a lot of money. This is particularly true if your company operates any larger pieces of equipment (bulldozers, etc.), which are sometimes omitted from normal coverage.

Wolff Insurance Agency's goal is to mitigate your risks as much as possible, and the more we know about your equipment, the better the policy we can offer. On request, we can let you know about how certain pieces of equipment are classified, the associated level of risk, and what kind of reimbursements you can expect if something goes wrong.

Contractor Vehicle Insurance:

If you're one of the growing number of contractors who use vehicles during a job—not just to get to and from a worksite—then you may need an additional commercial vehicle policy that covers the vehicle(s) you use.

If you don't use your vehicle for commercial purposes, you may be able to lower your monthly premiums by having this coverage removed from your policy. The choice is ultimately yours, but if you're having trouble deciding, our agents can help you figure out whether or not your use of a given vehicle qualifies as a commercial purpose.

Electrician

Electrician’s insurance provides protection for other types of risks that are commonly faced, such as another person’s claims of bodily injury, personal injury, or property damage. Clients who hire you to do electrical work could sue you for slip-and-fall accidents, home damage, or even slander. This is where Wolff Insurance Agency can step in to help with liability insurance for electricians.

At Wolff Insurance Agency, we understand these risks and customize electrician insurance to fit your specific needs. Electrician’s insurance gives you the confidence you need to perform work while being protected across a spectrum of potential suits against you or your business.

Insurance Coverages for Electricians:

Commercial Auto
General Liability
Business Owner's Policy (BOP)
Worker's Compensations

Handyman

As a handyman, you're the person who fixes items when they break. Your job is to help others, but even with the best of intentions, mistakes can happen that but your business on hold, potentially allowing competitors to step in and take your customers if you're out of business for too long.

If you don't have insurance yet, you may be wondering how much you need, and for what scenarios this insurance can be used. Experts agree that you should get insurance as soon as you can afford it, and to make sure you get enough of it to cover your risks—the minimum amount for a policy is often not enough for proper protection. Wolff Insurance Agency's goal is to make sure the coverage you receive is affordable and right for your circumstances, and we'll work with you to find a plan that meets your needs.

When handymen perform repairs or contracting jobs on homes or apartments, it's important for their customers and their business that the work be done well. Many contractor's policies operate on a job-by-job basis, which only covers individual jobs for their duration, so any problems that occur during maintenance or construction are covered. However, you may also want to obtain completed operations liability coverage, which will help you with any claims that arise after your job is done.

While some policies only cover individual jobs, you can also purchase plans that insure the crucial elements of your small business.

Handyman Equipment Insurance:

Your work isn't all that needs to be protected. Equipment is the heart of your business, and while you might not be worried about insuring a single hammer or crowbar, imagine how much it would cost to replace all of your tools were if they were destroyed by fire or other accident. They'd have to be replaced before you could even start working again, and the price tag could quickly climb into the thousands of dollars if you use several specialty tools.

Handyman Vehicle Insurance:

Many handymen use a vehicle to transport their tools from job to job. If you're one of them, commercial vehicle insurance can provide coverage if something goes wrong, such as accidentally colliding with a part of the client's property.

Speak with one of our agents today about the benefits of a handyman insurance policy.

HVAC

At The Wolff Insurance Agency, we understand heating, ventilation & air conditioning (HVAC) contractors. Regardless of the size of your business we stand ready to serve you.

As you are probably well aware, you have a unique set of liabilities as an HVAC Contractor.

These are just a few areas of concern where we can help to provide solutions:

damage to customer's property
misunderstood instructions from the customer
slips, trips & falls
lost or stolen materials & tools
project delays
injuries to customers or employees

Well informed small business owners understand that the incorporation process (Inc, LLC, etc.) does not completely separate your business from your personal assets. Unfortunately, any prosecuting attorney can easily attack your personal assets. Selecting the proper coverages with a well-designed HVAC Contractors Insurance policy makes sure that you are covered no matter what type of legal entity you have chosen for your business.

Let’s not forget about your expensive tools. We all know that these things tend to get lost, damaged or stolen. What if you can't afford to replace them immediately? There could be costly delays to the job. That’s why you need tools and equipment coverage to properly address issues just like this. Contact one of our insurance professionals at The Wolff Insurance Agency and experience The Wolff Advantage.

We at Wolff Insurance Agency want you to have the peace of mind to focus on your valuable work and the service you provide your clients -- and not on the possibilities of things going wrong. Find the right partner moving forward. Contact us today to get started with your new policy.

Landscaper

If your landscaper / lawn care business services include private yard landscaping, operating heavy equipment around homes, weeding gardens and trimming trees, setting up sprinkler systems, and even winterizing homes’ irrigation systems, you should consider general liability insurance.

Just as landscaping requires specialized tools and equipment to get the job done, the right insurance policy can protect you from heightened risks of bodily injury, property damage, and personal injury. Wolff Insurance Agency understands these risks and customizes landscaping insurance for professionals to fit your specific business needs. Whether you serve commercial customers, residential homeowners, or both, insurance for landscapers can protect you from general liability claims.

Insurance Coverages for Landscapers:

General Liability Insurance
Commercial Auto
Workers' Compensation
Business Owners Policy (BOP)

Painter

Painting insurance protects against a variety of common risks including paint spills, falls, broken windows, or almost anything else that could result in injury or costly property damage. A single incident might be difficult, or event impossible, to overcome without the appropriate coverage in place.

Insurance Coverages for Painters:

General Liability
Commercial Auto
Business Owners Policy (BOP)
Worker's Compensation

Plumber

By nature, plumbers are ready for just about anything – from fixing leaks to installing pipes and keeping homes and businesses running smoothly. However, running a plumbing business, or even just being an employee of one, comes with certain risks and liabilities. That is why liability insurance for plumbers is vital for keeping your business afloat and successful for many years to come.

As a plumber, you provide specialized services to your customers, which means you face unique risks on a daily basis. At Wolff Insurance Agency, we understand these risks and offer plumbing insurance that fits your specific needs.

Plumbing insurance coverages:

General Liability
Commercial Auto
Business Owner's Policy (BOP)
Worker's Compensation

Printer

Coverage Built to Match the Precision of your Business

Printing and publishing companies rely on precision, in both the speed of delivery and the accuracy of the work. Such precision requires sophisticated equipment and services. Wolff Insurance Agency understands your need to be well protected against the numerous risks that come with running your own printing and publishing business. Our goal is to reduce those risks and alleviate any unnecessary stress you may have so you can concentrate on running a successful business.

Here are some of the coverage options we offer to printers and publishers:

Errors & omissions coverage
Professional liability
Property coverage
Corrections of work coverage
And much more…

Call today and set up a consultation with an insurance specialist at Wolff Insurance Agency.

Media and Advertising

Coverage Built to Match the Precision of your Business

Here are some of the coverage options we offer to printers and publishers:

Errors & omissions coverage
Professional liability
Property coverage
Corrections of work coverage
And much more…

Call today and set up a consultation with an insurance specialist at Wolff Insurance Agency.

Construction

Construct a Protection Plan for your Business

Just like any other business, your construction business needs core insurance offerings to go along with industry-specific coverage. Expensive equipment and tools, and possible injury should be taken into account when thinking about what type of coverage may be necessary in the construction industry.

Wolff Insurance Agency coverage options for construction businesses include:

Liability insurance
Property insurance
Business vehicle insurance
Workers’ compensation
And much more…

Contact an insurance specialist at Wolff Insurance Agency today to go over these options and many more!

Hospitality

Bars and Taverns

Bars and taverns require unique insurance needs, but fortunately, bar insurance is available to help you comply with local laws regulating insurance needs for such establishments, and to help if you need reimbursement after some unexpected costs.

Bar Insurance Policy Features

Most forms of Bar Insurance are actually a combination of four important policies:

Business Owner's Policy—The Business Owner's Policy (BOP) bundles together several policies, including general liability coverage and property insurance. If rowdy patrons are breaking glasses, or people are suing because they fell after having a little too much to drink, this is the policy that will help.
Liquor Liability Insurance—If you sell alcohol to someone who's already intoxicated, you're partly responsible for what they do, and you could be held liable for any damage they cause. That's not our opinion; many states have written this provision into law and require bars and taverns to have liquor liability insurance before opening up for business.
Umbrella Coverage—The Business Owner's Policy provides the main coverage for your business, but if excessive damage (or a court-ordered payment for damages, in the case of a lawsuit) is involved, umbrella coverage can reimburse you for claims that would normally be difficult or impossible to pay.
Worker's Compensation—Finally, the last major part of bar insurance is worker's compensation; in an industry where busy bartenders and wait staff are moving around at high speeds while dealing with customers, the chance of someone falling and getting hurt is higher than anyone would like. This form of insurance provides funds for medical care and wages if an employee gets hurt.

Insurance requirements for bars and taverns vary widely by state, so be sure to ask our a Wolff Insurance Agency representative for a bar insurance policy that matches your specific needs.

Catering

The catering business can involve a lot of risk. Caterers work on other businesses’ property and perhaps even in their kitchens, and rely on suppliers and other vendors to furnish the necessary items to provide food. With so much happening—between supplying food, preparing it, transporting it, and serving it to customers—much can unexpectedly go wrong. All of these variables put you at risk, so it is a good idea to make sure you are covered against possible problems with catering insurance.

Catering Insurance Policy Features:

If you have employees, you need workers compensation coverage, and of course your own equipment should be covered. General liability coverage exists as well, to cover any damages you might cause (such as your heating units catching the building on fire).

If you serve alcoholic beverages you will need coverage for that as well, as there are more risks and exposure when alcoholic beverages are involved in to a business.

As a business owner, you will need coverage for yourself to take care of loses you might incur due to lost income. Mechanical breakdown, storms, and vehicle trouble are just a few things that could negatively affect your ability to render your catering services.

For a food services industry, liability is always a concern. Lawsuits arising from food poisoning (due to negligence or from mistakenly serving contaminated food) can cause a modest business with irreparable harm. A general small business liability policy will cover the basics, but there are other liabilities such as using a vehicle you don't own, having employees use those vehicles, and accidentally damaging property when providing your services.

Call Wolff Insurance Agency today to find out what the best catering insurance policies are available for your situation. Our professional staff will guide you through the process of making sure you are covered for anything that might arise in your catering business. Existing customers can call our office for an update, and new customers can call to find out what we have available to fit your catering insurance needs.

Craft Brewery

Specially Crafted Insurance Plans for your Brewery

Craft breweries face a unique set of challenges when it comes to insurance policies. Craft breweries are typically seen as small business enterprises, yet the large production and distribution options expose them to large financial opportunities and risks. At Wolff Insurance Agency, we work hard to help ensure your business stays protected.

Our insurance options for craft breweries include, but are not limited to:

General liability
Coverage for equipment / machinery
Liquor liability
Umbrella coverage
Property insurance
Workers’ compensation

Contact an insurance specialist at Wolff Insurance Agency to set up a consultation.

Food Truck

You rely on your food truck for more than just a means of transportation to your job—you need it to run the business, too, and that makes it vital to ensure that your truck has the coverage it needs if something goes wrong.

Food trucks are one of the most unique risks to insure because they occupy many insurance categories simultaneously, and different trucks often serve different purposes. Since food truck insurance is still new market, our agents are doubly careful when listening to what you're actually doing and looking for the policy (or set of policies) that can provide you with the best possible coverage.

In addition to covering everyone who works inside the vehicle, most companies in need of food truck insurance require some form of restaurant insurance and commercial auto insurance as well.

Restaurant Insurance as Part of a Food Truck Insurance Package:

Many states consider food trucks to be a form of restaurant, which affects everything from what safety regulations they must follow to how and where they must register in order to do business. Additionally, as a mobile business, food trucks often have to contend with different restrictions in their different service areas. All of the legal aspects of owning a food truck ultimately mean that it's important to have the right insurance as a restaurant and be able to handle any claims that come up for issues like sanitation and how safe it is to move in and around the vehicle.

Commercial Auto Insurance That Protects Your Food Truck:

Food trucks also need to acquire commercial auto insurance to help protect against problems like theft, fire, electrical hazards, and vehicle breakdown. Standard vehicle insurance is not sufficient when a truck is being used for commercial purposes.

As the owner of a food truck, you know just how hard it is to keep your business running. Your goal is to protect your business as much as possible while keeping your expenses manageable.

Wolff Insurance Agency agents keep that in mind when they work with you to find the policy that best matches your needs. Don't hesitate to ask about other options or how much insurance you actually need—you might be surprised by how much you could save.

Hotel

As the owner of a hotel, it is your responsibility to protect your business, employees, and the guests who are utilizing your services. From slips and falls, to fires, natural disasters, and crime; there are many risks facing the hospitality industry. At Wolff Insurance Agency, we can create a tailored hotel insurance solution to fit the needs of your business through our partnerships with some of the nation’s top providers.

Hotel Insurance Coverage Details

We take the hassle of out of insurance and allow you to bundle policies for every location you have. We truly work to understand the needs of our clients, build long-standing relationships, and make the coverage process seamless. Our agents will only create a policy with what you need and nothing more.

Our hotel insurance coverage can include:

Property Insurance
General Liability Insurance
Business Auto
Umbrella
Crime Insurance
Guests’ Property Coverage
Equipment Breakdown Coverage
Employment Practices Liability Insurance (EPLI)
Workers Compensation
Business Interruption
Cyber Liability/Data Breach Coverage
And more…

What you can expect from us:

As an independent insurance agency, we are accessible to our clients when they need us. We truly believe in providing quality service and insurance solutions and work closely with our customers at the start of a policy, during the claims process, and at renewal.

Restaurant

Fine dining facilities, franchise restaurants, fast food stops, and cafeterias feature a variety of different risks, but all share a need for the same basic coverages: commercial property insurance, general liability insurance, and business income coverage.

At Wolff Insurance Agency, we want to help you reduce losses that could impact your business. We can help you customize an insurance plan that specifically fits your food service establishment, letting you focus on providing a great experience for your customers.

Restaurant Insurance Quotes:

We work with a variety of insurance carriers to provide quick, accurate, and comprehensive restaurant insurance quotes. We help protect your employees and your customers with property insurance that includes spoilage coverage; general liability insurance that protects in the event of slips, falls, and more; and business income coverage to protect against a loss of income.

Specific Features of Restaurant Insurance, Including Workers Compensation Insurance

Wolff Insurance Agency offers protection for your business in the following areas:

Building and Business Property Damage and Loss
Commercial Liability
Employment Practice Liability
Liquor Liability
Lost Business Income
Loss of Records
Extraordinary Expenses
Moneys and Securities
Food Safety
Crime
Worker's Compensation
Employee Benefits
Hired Non-Owned Auto Insurance

Our agents are happy to review these coverages with you to determine which ones are necessary for your restaurant.

Just like a local restaurant needs to cater to a community's tastes, Wolff Insurance Agency is in tune with what our clients are looking for. If you’re looking for restaurant insurance that leaves you satisfied, contact an agent

Retail

Keep your Business Running at a High Level

Retailers face a number of challenges when it comes to keeping their business running at a high level, including everything from regulatory issues and theft, to competition within the industry. When it comes to managing the risks of running your own retail business, you want the best protection possible. Wolff Insurance Agency will work with you to formulate an insurance package fit for your business.

Here are some of our insurance options for retailers:

General liability
Property coverage
Crime insurance
Umbrella coverage
Business interruption insurance

Contact a representative at Wolff Insurance Agency to go over these and many other insurance options for retailers.

Vape Shop

Commercial Insurance Solutions for Vape and E-Cigarette Retailers and Manufacturers

Vaporizers and e-cigarettes are a still a new and growing product market. As a vape retailer and/or manufacturer, you face unique liabilities and exposures in a complicated insurance space. You cover all of your customers’ needs when it comes to their e-cigarettes, cartridges, batteries, and oils. At Wolff Insurance Agency, we’ll cover you in the event that anything goes wrong with any of those products or your store.

Why Do I Need Specialized Insurance?

Due to the relatively new technology behind it, laws surrounding the vape industry and its products are changing all the time. Being a part of that industry, you need a policy that provides protection beyond what’s included with a standard commercial insurance plan. You also need an agency that will keep up with industry regulations and ensure your business operations remain adequately covered.

Our agents at Wolff Insurance Agency understand the needs of e-cigarette retailers and manufacturers, but we also track shifts in state and federal legislation to keep you compliant through it all. As an independent agency, we’re able to shop a number of specialized carriers to find your best coverage options and prices.

The plans we write typically include coverage for:

Commercial general liability
Commercial property insurance
Product liability
Burglary & theft
And more…
No Health Hazard Exclusion

Perhaps the most important feature of Wolff Insurance Agency's vape shop insurance plans is that there are no health hazard exclusions. Policies with these exclusions can expose you to personal injury liability and other financial risk. Take a load off your mind and contact our staff at Wolff Insurance Agency so we can build the right coverage for you. We’ll create a comprehensive insurance plan specific to your shop with rates you can afford and protection standards that we maintain across all of our policies.

Healthcare

Dental Practice Insurance

With nearly one million people employed and an industry revenue of over $125 billion in the United States, dentistry is a big business—but it's also a vulnerable one, because a single slip of the hand could cause damage that's not easily fixed. As a dentist, you're susceptible to issues like leaks of patient information, forgetting to properly update the patient's medical history, failing to adhere to standards of care when you're rushed, and failure to detect diseases when they first occur.

Dental practice insurance can help protect your practice from the high costs of malpractice suits and regulatory fines. In addition to the basic coverage that every dentist should have, consider the following and whether or not you might need extra coverage:

Do you substitute for other Dentists? Most policies only cover one dentist at one location. If you perform work outside your normal office, you'll need to be sure your policy covers you at that location.

Have you incorporated? Many dental practices incorporate after several years of operation, but don't realize they need to be insured using a corporate malpractice policy. If a lawsuit occurs, these practices often have no coverage when they thought they had enough, leaving them to pay all costs out of their own pocket.

Do you perform high risk procedures? Some elements of dentistry—such as implants—are considered riskier than normal operations and require correspondingly higher coverage.

Dental Equipment Coverage:

Equipment is the heart of the modern dental industry—and we know how expensive your tools and diagnostic machines can be. Equipment coverage provides an added layer of protection in case the supplies you've purchased fail or do not live up to the claims of the manufacturer.

New products enter the market on a regular basis, so consider talking to one of our agents whenever you purchase something you haven't used before. We'll help perform a risk assessment and determine whether or not you need additional coverage before you start using the equipment on patients.

Commercial Property Insurance:

Commercial property policies are one of the most important elements of dental practice insurance. Falling trees, fires, and water damage are all potential threats to the place you work, and any of these could quickly destroy tens of thousands of dollars in equipment. Whether you're facing a minor interruption or a major loss, making sure your property is insured is of critical importance to any business owner, so call Wolff Insurance Agency today to discuss covering your dental practice.

Veterinary Medicine

As a veterinarian, you no doubt take your responsibility to animals and pet owners seriously. You have worked long and hard to become qualified to take care of people's animals—whether they are working farm animals or family pets. Just as doctors who take care of people do, you need to have insurance to cover your practice against the many things that could go wrong.

Veterinary Office Insurance Features:

If you are a veterinary business office owner, your veterinary insurance starts with insuring your building and equipment for fire, natural disasters, theft and general liability.

Veterinarians, however, need more than just protection for their commercial office space. Just as with human medicine, a good veterinary insurance policy has malpractice insurance in case events go awry in veterinary medicine. Busy staff can have accidents or make mistakes. An animal may suffer an unforeseen issue you cannot prevent. Still, you may be held responsible in a court of law. Malpractice insurance can cover your business if anyone in your practice makes a mistake.

One area of concern for veterinarians is the "consent to settle" option in some policies. This means the veterinarian must give approval in writing to settle a case even if the insurance company recommends settling. In some cases, policies will not cover expenses incurred from a lost lawsuit if the insurer recommended settling and you refused, which is called a "hammer clause."

Sometimes business problems occur outside of legal matters in which an accident or a mistake transpires that can open you to liability. For example, a pet could be injured by putting it in an open area with another animal. An honest mistake like this could expose your company to liability.

Call Wolff Insurance Agency for a full explanation of all your options as a veterinarian. Different policies are available, and we offer policies for those who work only on small animals; for those who only work in the equine field; and for offices or for field work, respectively. Our professionals can help you find the best policy for you, so give us a call today and let us make sure you're covered.

Pharmacist

Healthcare-related lawsuits are always a possibility for those in the medical field, and as a pharmacist you have as much risk as any other medical professional. Many pharmacists work in an office or for a large drug store chain, and these stores require appropriate coverage. If you are an independent pharmacist with your own small business, however, your pharmacy insurance needs to cover both yourself as a pharmacist and your business.

Pharmacist Insurance Features:

If you are the business owner, you need general business insurance (like a business owners’ policy or BOP), commercial property insurance for an office space, worker's compensation insurance for employees, and liability coverage.

Liability coverage can cover an accident at your business, and it can cover you against malpractice lawsuits. The possible mistakes in the pharmacy industry exceed those in other businesses in risk and severity—the fact that pharmacists can have a direct effect on peoples’ health magnifies their liability. You need insurance protection if you or an employee makes a mistake.

An insurance policy will cover the cost of defending your case if you are sued. Most policies will give you deposition representation, and defendant expense coverage is also available. Depending on your state, some policies also cover your professional license. Each state has its own rules, so check with the states where you offer services to clients, and speak to one of our agents if you have questions. There are policies available that will cover you as an individual pharmacist, as well as policies for the business itself, and Wolff Insurance Agency agents can help you make the right choices on the coverage you need.

Call our office today to find out what coverage you need for your pharmacy insurance. Our staff will be happy to help you find the best coverage for your situation, whether you are an individual within a larger organization or you own the business. Call us to make sure you have the best possible coverage to protect yourself against all the risks of operating your business.

Farming

Dwelling

It's more than a farm . . .it's your home

Operating a farm or ranch is a unique business in many ways. One big difference from most other jobs is that many farmers don’t just work on their property - they live there too. And having the right protection depends on the situation of each individual family.

While not as comprehensive as a complete Farm Owners policy, some people may find that Farm Dwelling coverage is enough to meet their needs.

Dwelling Insurance from Wolff Insurance Agency protects the building you live in and any attached structures, including rental properties, by helping to pay for damages that result from a covered incident. Depending on your specific policy options, it can also include additional coverage for personal property or provide additional living expenses if your home becomes uninhabitable due to a covered loss.

Other insurance provisions such as Liability or Medical Payments coverage are not included in a Farm Dwelling policy, so if you’re looking for a more complete solution for all your Farm Insurance needs, a comprehensive Farm Owners policy may be the right choice for you.

Talk to a specialist at Wolff Insurance Agency to learn more about how our insurance solutions can best benefit your agribusiness.

Crop

Keep Your Farm Afloat in Times of Trouble

The farming and agricultural industry often involves risk and uncertainty. From unexpected natural disasters to major economic changes in the marketplace, many situations can affect the productivity of your agribusiness.

At Wolff Insurance Agency, we know that the success of your farm directly impacts the livelihood of you and your family. With the right Crop Insurance coverage, you can protect your business and keep your farm afloat through all of the difficult times.

Wolff Insurance Agency offers two basic types of Crop Insurance for your farm or ranch:

Crop-yield insurance covers excess losses to your crops due to natural disasters such as drought or flood as well as other perils like insects or disease.
Crop-revenue insurance covers negative changes in the price of a crop that occurs during the crop’s growing season.

You’ve poured years of hard labor and honest work into your agribusiness, and when times are tough, you’ll need an agency you can depend on.

Talk to a specialist at Wolff Insurance Agency to learn more about how Crop Insurance can help ensure the continued service of your farm for years to come.

Structure

Secure Your Farm From The Ground Up

As the owner of a successful agribusiness, your farm or ranch contains some of your biggest physical assets. Barns, machine sheds, and granaries are essential elements that keep your farming operations running smoothly, but in the event of a disaster, the loss of important property can disrupt business and be financially devastating.

Protecting your buildings and your livelihood is easy with a Farm Structures policy from Wolff Insurance Agency. This coverage helps pay for the accidental loss of property used for farming purposes due to a variety of perils such fires and some natural disasters.

At Wolff Insurance Agency, we strive to meet all of your insurance needs around the farm. In addition to securing your important farm structures, we also offer impressive solutions to protect the expensive machinery and equipment vital to your day-to-day operations. Talk with one of our professional insurance specialists to learn more about our farm insurance options and how we can tailor the perfect package for you and your business.

Equipment

Keep Your Equipment Running Strong

Keep Your Equipment Running Strong.

As a farmer, you rely on your equipment to run like clockwork. But in the event of equipment breakdown or failure, it can be difficult and expensive to repair. Damaged or broken equipment can easily cost thousands of dollars to replace, which is why Farm Equipment Insurance is just as important to your agribusiness as the equipment itself.

At Wolff Insurance Agency, we’re dedicated to the success of your farm or ranch, and we understand that equipment breakdown can mean lost income. That’s why we design comprehensive insurance policies to keep farms running smoothly in the event of an accident. Equipment breakdown coverage goes beyond your standard Property Insurance policy to protect against damage caused by power surges, mechanical breakdown, motor burnout, and even operator error.

Equipment and machinery included under a Farm Equipment Insurance policy includes, but is not limited to:

Heating and Cooling Systems

Production Equipment

Boilers, Pressure Vessels, and Water Heaters

Pumps

Electrical Distribution Systems

Refrigeration Equipment

Contact Wolff Insurance Agency today to find out how a Farm Equipment Insurance policy can keep the productivity of your farm moving.

Farm Auto

Stay Safe Both On and Off the Farm

Whether you’re hauling grain or transporting livestock, the vehicles you use around the farm are a vital part of your day-to-day operations, and you can’t afford for them not to be working properly. With a Farm Auto Insurance policy from Wolff Insurance Agency, you can protect everything from your personal truck or car to the trailer you use to deliver and transport your valuable goods.

Even if you take good care of your farm equipment, some situations are simply out of your control such as road conditions, bad weather, and other drivers. And in the event that something should happen, that’s where your Farm Auto Insurance comes in. At Wolff Insurance Agency, we’ll help you create a policy to fit your unique insurance needs.

Whether you rent or own your farm vehicles, you can still get the same great coverage with benefits that can include:

Auto Liability
Medical Payments
Collision Coverage
Uninsured & Underinsured Motorist Coverage
Extended Coverage for employees using their vehicles for farm operation

At Wolff Insurance Agency, we believe that your Farm Auto Insurance policy should work for you. Contact one our local insurance specialists to learn more about what we can do for the

security of your agribusiness.

Equine

Live to Ride

You’ve spent time training, taking care of, and most likely competing with your horse. And as a proud owner, it’s up to you to ensure its safety and well being. Since your horse represents both a financial and emotional investment, medical expenses can be costly.

An Equine Insurance policy from Wolff Insurance Agency provides coverage for a variety of costs and expenses related to the upkeep of your animal. Our policy options include:

Full Mortality and Theft – to insure your animals against death as a result of injury, illness, disease, humane destruction, transportation, or theft.
Major Medical Coverage* – to provide reimbursement for the cost of medical and surgical bills caused by accident, sickness, or disease.
Loss of Use – for compensation in the event your horse becomes totally and permanently unable to perform the duty for which it was insured.
Stallion infertility – for coverage in the event your stallion becomes permanently incapable of producing offspring due to an accident, illness, or disease.

Finding the right coverage options for your horse doesn’t have to be difficult. At Wolff Insurance Agency, one of our insurance specialists can help educate you on the different coverage options and rates available for your special animal, and together you can build the perfect policy that fits the needs of you and your horse.

*Major Medical Coverage is an addition to the Full Mortality policy and cannot be purchased alone.

Livestock

Animals Are Assets Too

As the owner and operator of an independent farm or ranch, you’ve made a number of investments into your agribusiness – equipment, machinery, and crops. Livestock is also a big investment for farmers and ranchers alike, and like any financial asset, you’ll want to ensure a high-level of security and protection – so your animals will stay covered.

At Wolff Insurance Agency, we know that the health and safety of your animals directly affects the health and profitability of your farm. Livestock Insurance can protect you and your farm against the financial losses that could occur if your animals are harmed or killed as a result of a covered accident such as a fire, blizzard, or other natural disaster – even when your animals in transit.

Livestock Insurance policies will vary from person to person, farm to farm, and animal to animal. The insurance value of each animal is usually its purchase price, but other factors such as performance level or value of your animal’s offspring can increase that value. A specialist at Wolff Insurance Agency can help you determine the right amount of coverage at a price that meets your needs.

Farm Umbrella Insurance

Extra Security to Protect Your Hard Work

Wolff Insurance Agency provides umbrella insurance policies to farms, ranches, and agribusiness operations facilities in Newark, Middletown, Pike Creek, North Star, West Meadow, Bear, and surrounding areas.

Wolff Insurance Agency knows that your farm is your business. And like any business owner, you’re faced with a certain amount of risk and uncertainty in your day-to-day operations. If an accident happens, in most cases, your standard farm owners insurance liability should take care of you. But when serious situations arise, you’ll want to make sure your business is protected.

Chances are your basic policy liability limits are not enough to cover every potential accident - including serious accidents that come with serious expenses. A Farm Umbrella policy from Wolff Insurance Agency picks up where your other liability coverage stops. It can be an affordable way to provide an extra layer of protection against claims of bodily injury and property damage in scenarios such as:

An accident on your farm that leaves multiple workers in need of costly medical attention
If a farm animal escapes and causes an accident or serious damage to another’s property
If someone sues you for damages resulting from an illness from your products

At Wolff Insurance Agency, our team of farm insurance specialists is dedicated to keeping your farm up and running, even after an accident. With the right farm umbrella coverage options, your business won’t have to miss a beat. And, as always, with our 24/7 dedicated claims service, you can rest assured that our professionals will be there for you when you need it most.

Farm Liability Insurance

Safety and Reassurance On Your Farm.

A great amount of responsibility goes into running a farm or ranch. From the operation of farm machinery and equipment to the sometimes unpredictable nature of barnyard animals, farmers are subject to a much higher risk of liability than other property owners. Wolff Insurance Agency understands this risk, and is proud to offer complete liability protection for you and your agribusiness.

Under a standard Farm Liability Insurance policy, Wolff Insurance Agency will help cover the expenses in which you become legally obligated to pay for bodily injury claims on your property and damages to another person’s property as a result of a covered accident.

Some common liability expenses covered under your policy include:

Attorney fees and court costs
Medical expenses for people injured on your property
Injury or damage to another’s property caused by your animals
Other claims for injury resulting from specific farm operations

Wolff Insurance Agency is committed to serving you. That’s why we strive to offer insurance solutions to meet the individual needs of you and your business. There are a number of factors that may influence the type of coverage you’ll need, such as the size and type of your farm. Our farm insurance professionals will help you design the right policy to ensure that all of your special interests are protected.

Call Us Today and Experience . . . . The Wolff Advantage

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Access to multple companies and a wide choice of products
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