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Commercial Insurance


Commercial Insurance Products

In today’s evolving world, one thing is certain, risk is constant. We’ll carefully assess your business and situation to cultivate creative, comprehensive solutions that fit your needs.


Commercial Vehicles Insurance
Whether you have one vehicle or a whole fleet, we can help you apply custom coverage that will protect your business and personal assets from the extra exposure that commercial vehicles have.

Business Owners Policy Insurance
A Business Owner’s Policy (BOP) combines business property and business liability insurance into one package policy. We’ll work with you to design coverage that protects your business from an assortment of risks.

Commercial Property Insurance
Commercial property insurance protects your possessions if they are stolen, damaged or destroyed in a fire or natural disaster. We’ll get to know you and your company to create an insurance program that will cover your exposures.

Commercial Umbrella Insurance
Commercial umbrella insurance is designed to give you an additional level of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.

Crime Insurance
Every company, regardless of size, is a possible target for crime. These crimes are always evolving, and we’ll work with you to design insurance coverage that helps you reduce risk and protects your business and your assets from theft, fraud, and forgery.

Cyber Liability Insurance
Cyber liability insurance protects your business against the costs related to a data breach. We’ll help you assess the data liability risks your business faces and find you a policy that meets your specific needs.

Directors and Officers Liability Insurance
Directors and Officer’s liability insurance protects 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 cover your organization’s greatest asset: your senior leadership.

Employment Practice Liability Insurance
As an employer, you face a rising tide of employment practices lawsuits claiming discrimination, sexual harassment, retaliation, and other employment-related issues. We’ll work with you to help you evaluate and manage your risk proactively.

Environmental Insurance
Environmental concerns continue to be a leading common and business risk issue, sometimes presenting 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 covers any business that gives instruction, makes educated suggestions, designs solutions, or advocates the needs of others. We’ll discuss coverage that will ensure that one unassuming mistake does not cause financial ruin.

Fiduciary Liability Insurance
Fiduciary liability insurance protects individuals acting as ERISA fiduciaries against fiduciary-related claims of mishandling of a company’s employee benefit plan. We’ll work with you to ensure that employee benefits are handled dutifully, and your trustees are protected.

Flood Insurance
At least 25 percent of businesses that close after detrimental events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents, from the damaging costs that come from floodwater.

General Liability Insurance
No matter the size and nature of your business, there are always unknowns. We’ll work with you to determine your business risks and put together an insurance package that makes sense for your business.

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 covered not only at your premises but also while it is off-site or be transported.

Key Person Life Insurance
This insurance can keep your business going in the event of the death of any employee who is essential to the company’s survival. We’ll work with you to learn about your needs and design coverage that helps assure stability of your business for employees, customers, and creditors.

Contract & Surety Bonds
Bonds alleviate risk.  However, bonds and insurance are two different types of tools. We’ll help lead you through the process to ensure your business has the tools it needs to continue to grow and prosper.

Equipment Breakdown Insurance
Equipment breakdown insurance covers the sudden and accidental, damage to equipment that requires its repair or replacement.


The next step is easy - Call Flickinger Insurance at 419.668.4406

The difference is us. Get a quote today and see the difference our dedicated agents can make for your family or business!

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