Business Insurance

At Columbia most of our business clients come to us from the ranks of our auto and homeowner clients.  As such our business insurance offerings are primarily focused on Small Business.

Our business insurance clients tend to fall into one of three categories: 

  • Main Street businesses like restaurants,  retailers,  medical offices
  • Consultants, contractors and artisans including plumbers, electricians, HVAC
  • Condo Associations and apartment buildings.

We offer a full range of products including:

  • Business Owners Policies (BOP)
  • Commercial Auto
  • Commercial Property
  • General Liability
  • Professional Liability
  • Workers Compensation
Business Insurance

Product in the Spotlight 

Employer Practices Liability (EPLI)

EPLI provides coverage to employers against employment-related claims such as Wrongful Termination, Discrimination and Harassment.  According to a recent article in the "Insurance Journal" US companies had at least a 10.5% chance of having an employment charge filed against them in 2016.  With the tremendous publicity given to the horrific sexual harassment stories coming out of Hollywood and the subsequent rise of the #MeToo movement that figure is expected to rise in the coming years.  

Fortunately coverage is readily available for this type of loss. Many insurance companies have started to offer Employer Practices Liability coverage on their Businessowners Policies (BOPs). This coverage is usually a sub-limit of $50,000 or $100,000.  If you want higher limits there are stand alone EPLI policies for that. Talk with us today about your EPLI needs!

Clients in the News!

Congratulations to Ashley, Sarah and all of the ladies at Busy Bee Nursery School of Lynn!  Busy Bee was recently awarded the Small Business of the Year by the Lynn Area Chamber of Commerce.   Ashley & Sarah bought Busy Bee a few years ago with an enrollment of six part-time students.  Fast forward to today and they are bursting at the seams. 

There are many challenges in running and growing a successful business.  Designing an insurance program that protects the business without hindering growth is one of them.  We are proud to have been the insurance agent of Busy Bee since Ashley & Sarah bought it.  Way to go Bee!

Business Insurance

What Our Customers Say

"As a self-managed condominium association, Columbia Insurance is an invaluable resource for  us - We rely on them to help us navigate the insurance issues that the association faces. Their breadth of knowledge and depth of experience  have guided us through some difficult decisions and they are always there to provide help and advice when we need it. "

John Affleck, Permberton Place Condominiums

"While navigating the insurance needs of a small business is murky, the good people at Columbia Insurance always guide the way clearly and professionally. They know what we need before we do and go to bat for us to find the right plan at the right price. This is why Columbia has been our insurance agent for over a decade."

Laura Potter, Human Resources, Intergalactic Restaurant Group

From Our Blog

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Cinco de Mayo and Business Interruption Insurance

Cinco de Mayo and Business Interruption Insurance

05/06/2014 Articles of Interest

My wife and I were meeting friends at a Mexican restaurant for a Cinco de Mayo dinner when we got a call from the first arrivers informing us that the restaurant was closed. Read more


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