You’ve worked hard to create your company and can’t risk losing it all. As a business owner, being held liable for even one claim could destroy your livelihood. That’s where commercial liability insurance comes in. At W.J. Wheeler Insurance Agency , our agents are experts in commercial insurance and are here to advise you on what you need and don’t need in a commercial liability policy.

Employment Practices Liability

As an employer, you are vulnerable to many potentially devastating claims, such as wrongful termination, discrimination, sexual harassment and breach of contract. Employment practices liability insurance protects employers against lawsuits such as these.


General Liability

If an accident happens on your business’ premises, you could be held accountable. In addition to protecting yourself and your business in the event of liability lawsuits, general liability insurance will cover you in in the event of property theft, vandalism, and bodily injury or property damage due to fire.


Workers Compensation

As an employer, you have a responsibility to keep your employees safe from harm. Laws differ from state to state, and W.J. Wheeler is an expert in Maine’s unique workers compensation requirements. One of our agents can guide you through the process of finding the policy that is right for you and your employees. Remember that workers compensation insurance is different from a general commercial policy and is meant to cover medical expenses, lost income, and wages and death benefits.


Business Owners Insurance

Also known as BOP, a business owners policy combines coverage for the property and liability risks of small- or mid-sized businesses. BOPs can include items such as property insurance, reimbursement for lost revenue due to fire and liability protection.


Professional Liability

You are an expert in your field; however, even the experts occasionally make errors. Professional liability insurance protects you in the event that you are held legally liable for harm caused to a client because of a professional service you provided.


While we can handle any business’ needs, we also specialize in certain industries. Click Specialty Insurance on the main menu to learn more about we have to offer these industries:

AUTO SALES & SERVICES


CONTRACTORS


PROFESSIONAL SERVICES:

  • Accountants
  • Lawyers
  • Offices
  • Day care
  • Realtors

RETAIL & HOSPITALITY:

  • E-commerce
  • General Retail/Storefronts
  • Restaurants
  • Hotels/Motels/B&B’s

OTHER:

  • Farms
  • Maine Wilderness Guides
  • Nonprofits
  • Municipalities
  • Weddings/Special Events
  • Directors & Officers

At W.J. Wheeler Insurance Agency , we realize that commercial insurance can seem overwhelming. With so many different types of coverage out there, finding the policy right for your business can be a daunting task. That’s where we come in. We are here to help you navigate through the sometimes confusing insurance industry to make sure that you and your business are protected when you need it most. Contact us today by calling 207-743-8927 or filling out the form on the right.