Business Insurance Services

As a business owner, you have enough on your mind without having to worry about your business insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.

Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. No matter what your commercial insurance needs are, we can arrange for you to obtain a protection program that’s right for you.

We know it can seem confusing and overwhelming as to which insurance is right for your business, so we ask you to contact us for a complimentary review of your business plan and business insurance needs.

At One Source, we can help you obtain various types of commercial business insurance. Our specialists excel in property, liability and workers’ compensation coverage, just to name a few.

One Source can help to provide the following types of business insurance protection

Business Owners Package

business owners insurance Business Owners Package policy, commonly called a “BOP” contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.

Contractor’s General Liability

business owners insurance Contractor’s General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects.


We offer contractor policies for every type of project:

• Property
• Builders risk insurance and course of construction
• Liability insurance
• General liability insurance
• Contractor insurance
• Commercial auto
• Umbrella
• Workers’ compensation
• Railroad protective
• Equipment insurance
• Contractor bond

Employment Practices Liability

business owners insurance Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business.

Common examples of employee related claims include claims relating to:

• Discrimination
• Wrongful Discharge
• Sexual Harassment
• Hostile Working Environment
• Wrongful Termination
• Lack of Advancement

General Liability

business owners insuranceNormally, it is difficult for businesses or general contractors to work without general insurance. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.

The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses. Similar to auto insurance, when it comes to general liability insurance, you will first have to make a down payment and then follow it up with installments. Before buying general liability insurance, it is best to compare the quotes available in the market.

It is the business owner’s or general contractor’s job to make sure that the people working under him/her are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person’s lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.

Workers’ Compensation

business owners insuranceWorkers’ compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

According to the U.S. Bureau of Labor (2012) – Nearly 3.0 Million non-fatal workforce injuries and illnesses were reported by private industry employers in 2012. Resulting in an incidence rate of 3.4 cases per 100 equivalent full time workers.

By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, workers comp coverage is the largest part of its insurance expense.

Our clients have found that through One Source’s Pay-by-Pay model for workers’ compensation insurance we can:

  • Improve Cash Flow – Premium payment is calculated with payroll throughout the whole year. Instead of a 25-100% down payment upfront.
  • Improve Accuracy – Premium is calculated off of real tine payroll data and carrier rates. Year-end policy is less likely to result in under or over payments.
  • Add Convenience – Minimizes risk of cancelation for non-payment. Eliminates writing checks and helps assure on time payments




We have started over 1,000 businesses over the last 20+ years.

Put our experience to work for you. Contact us for an in-depth review of your business plan and business insurance needs.

business-form-header

Please use the notes section for specific comments and questions on starting a business.
First Name*
Last Name*
Email*
Phone*
Street
City
State*
Zip Code
Services Provided*
Industry
Number of Employees
How soon do you need service?
Notes
Lead/Contact Source


No Thanks

merchant-form-header

Please use the notes section for specific comments and questions on Merchant Processing.
Company
First Name*
Last Name*
Email*
Phone*
Street
City
State*
Zip Code
Services Provided*
Number of Transactions
Current Provider/System
Industry
How soon do you need service?
Notes
Lead/Contact Source


No Thanks

insurance-form-header

Please use the notes section for specific comments and questions on Insurance
Company
First Name*
Last Name*
Email*
Phone*
Street
City
State*
Zip Code
Services Provided*
Number of Employees
Industry
Current Provider/System
How soon do you need service?
Notes
Lead/Contact Source


No Thanks

payroll-form-header


Please use the notes section for specific comments and questions on Payroll
Company
First Name*
Last Name*
Email*
Phone*
Street
City
State*
Zip Code
Services Provided*
Payroll Frequency
Number of Employees
Industry
Current Provider/System
How soon do you need service?
Notes
Lead/Contact Source


No Thanks

bookeeping-form-header

Please use the notes section for specific comments and questions on Bookkeeping
Company
First Name*
Last Name*
Email*
Phone*
Street
City
State*
Zip Code
Services Provided*
Industry
Number of Transactions
Number of Employees
Current Provider/System
How soon do you need service?
Notes
Lead/Contact Source


No Thanks