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

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!

Check it out!

Went with the gang last night to eat at a new restaurant we insure in Winthrop called 90 Degrees. Oscar Guerrero of Omar And Oscar Jewelry fame is the proprietor. 90 Degrees offers a menu with both traditional and eclectic selections. Last night we tried the trout, roasted duck, steak and lasagna. The food was delicious.

Pictured is the dinner gang with Oscar (5th from left) and Chef Philippi (3rd from right). The restaurant is located at 77 Revere St. Take the ride over to Winthrop and check it out. 

View Their Menu

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, Pemberton 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

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