We know that you cannot outrun your risk, but you can be ready for it. What if a hurricane causes you to lose power to your building and your operations cease, or if a fire severely damages your building? You shouldn’t have to pay for this yourself, and with the right protection, you won’t have to. Our insurance advisors understand the business environment in Floyd County and throughout the region and can help you identify gaps in coverage, look for ways to save money, and keep your assets and income protected.
Health and Employee Benefits
Our strategic partner, Core Benefit Solutions, can meet all health insurance needs for business owners, including Medical, Pharmacy, Dental, Vision, Life, Long and Short Term Disability, Flexible Spending Accounts, and more.
Auto Service/Auto Body Shop Insurance
As an auto body shop, the services you provide are critical for your customers. Their business relies on yours. Protecting your shop with specialized auto shop insurance can mean the difference between surviving and thriving or shutting down in the face of the unexpected..
Apartment Owner Insurance
Jowers-Sklar Insurance will help you protect your investment as the source of income it is. Standard homeowners or business insurance won’t do. You need specialized apartment owner insurance to cover all your bases.
At Jowers-Sklar Insurance, we specialize in providing bonding services that help to protect the integrity of your business. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.
Business Auto Insurance
Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.
Business Owners Policy Insurance
A Business Owner’s Policy (BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.
Commercial Property Insurance
Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.
Commercial Umbrella Insurance
Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.
Concrete Contractor Insurance
From start to finish, concrete contractors often have heavy involvement in construction projects. With all they do, concrete contractors also carry heavy risks. But because of these unique risks, specialized concrete contractor insurance that’s tailored to your business can offer protection against the unexpected.
Every company, regardless of size, is a potential target for white collar crime. We’ll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud and forgery.
Cyber Liability Insurance
Cyber liability insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.
Directors and Officers Liability Insurance
Directors and officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.
Electrical Contractor Insurance
Electricity. It’s an essential part of nearly every aspect of modern life. Electricians and electrical contractors keep the lights on, the machines running, and so much more. Specialized electrical contractor insurance protects electricians based on unique, industry-related risks.
Employment Practice Liability Insurance
As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation, and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.
Environmental concerns continue to be a leading societal and business risk issue, sometimes posing serious unexpected challenges. We’ll work with you to create a custom solution to help protect your business against environmental risks.
Errors and Omissions Liability Insurance (E&O)
Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.
Fiduciary Liability Insurance
Fiduciary liability insurance protects individuals acting as ERISA fiduciaries against fiduciary-related claims of mismanagement of a company’s employee benefit plan. We’ll work with you to ensure that employee benefits are handled responsibly and your trustees are protected.
At least 25 percent of businesses that close after destructive events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.
General Liability Insurance
No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.
HVAC Mechanical Contractor Insurance
Whether you’re turning up the heat or keeping the cool air flowing, your customers rely on you to make their home or work environment a comfortable place to be.
Inland Marine Insurance
Inland marine insurance is coverage that protects your business property while it’s away from your business location. We’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.
Key Man Life Insurance
Key man life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure continuity of your business for employees, customers and creditors.
Landscaping Services Insurance
A broad landscaping services insurance program needs to take everything into consideration. That includes your equipment, your employees, and your specialized risk.
Ocean Marine Insurance
Ocean marine insurance is insurance used to protect cargo, vessels and other items while they are being transported across the ocean. We’ll work with you to design coverage that provides real protection when you’re in open waters.
Pest Control Insurance
Running a pest control business can come with a lot of risks. You’re in people’s homes and businesses, providing a service that could potentially impact the health and safety of the people you’re helping. That’s why it’s important that you have the proper pest control insurance policy in place to protect you and your business.
Rental Property Insurance
Don’t be fooled, just because your tenant has rental insurance doesn’t mean that you—the owner—are protected. Rental property insurance is specially designed to cover the risks faced when you rent your property to others.
Retail Business Insurance
As a small business owner, you have a lot to think about. Customized retailer insurance coverage can help to take some of those worries off of your plate.
Systems Breakdown Insurance
Systems breakdown insurance covers the sudden and accidental, physical damage to equipment that requires its repair or replacement. We’ll design comprehensive coverage to protect your business against a financial disaster.
Workers Compensation Insurance
Workers compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.