Business Insurance Products
At Forrest Sherer Insurance, providing comprehensive protection for business and industry is our objective. You can depend on Forrest Sherer for cost-effective plans that protect your business from loss, and for loss prevention services to reduce hazards. Forrest Sherer's insurance professionals provide:

• A risk analysis of your business insurance needs;
• Financially strong insurance carriers;
• Prompt, fair claims services.

Property and Income
Your business must have financial protection against the destruction of or damage to real and personal property. At Forrest Sherer Insurance, we can provide building and personal property insurance that covers most types of commercial property.
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Equipment Breakdown
Businesses must have financial protection for sudden and accidental breakdown of boilers, machinery and electrical equipment. Equipment breakdown insurance covers damage to equipment, expediting expense and property damage liability. Supplemental payments coverage can be extended to cover consequential losses. See a Forrest Sherer Insurance professional to plan and secure the best equipment breakdown coverage for your business.
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Inland Marine
This broad type of coverage was developed to protect shipments of goods that do not involve ocean transport. It covers articles in transit by all forms of land and air transportation, as well as bridges, tunnels and other means of transportation and communication. Forrest Sherer Insurance can provide inland marine insurance for financial protection against damage or loss of goods in shipment.
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General Liability
Liability exposures arise out of accidents resulting from the operations of an insured or from the insured's contractual liability. A large number of possible liability exposures exist and it is important for business owners to consult with a Forrest Sherer Insurance professional to assure proper coverage.
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Commercial Automobile
Anyone or any business owning a vehicle is in need of protection against economic loss arising out of automobile accidents. See Forrest Sherer Insurance for auto insurance to protect the vehicles owned by and used in your business, including those driven by your employees when accidents occur.
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Workers Compensation
As an employer, you have statutory responsibility to provide workers compensation insurance to protect your employees in the event of work-related injuries and diseases. Forrest Sherer Insurance knows your business and how to work with your injured employee, making sure your employee receives the best medical treatment and is able to return quickly to work. Utilizing Forrest Sherer's safety and loss prevention services will not only lower your premium costs but also enhance your productivity.
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Crime
Your business must have financial protection against theft and misappropriation of your company's assets. Statistics indicate that company losses in this area often result from employee dishonesty. A Forrest Sherer Insurance professional has the knowledge, ability and access to help you find protection from loss of company assets through theft or embezzlement.
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Surety / Construction and other
Surety bonds guarantee performance in such activities as construction or court appearances, or honesty of employees who have access to cash or other finances. At Forrest Sherer Insurance, our Surety Department staff is available to meet the varied needs of our clients. Primarily, our services include the placement and servicing of bonds for the construction industry. Forrest Sherer Insurance offers considerable access to the marketplace and knowledgeable, prompt service.
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Professional Liability / Errors and Omissions
Many businesses need professional liability/errors and omissions coverage that insures against a loss sustained because of an error or oversight by you, the business owner, including negligent acts or omissions that may harm clients. A Forrest Sherer Insurance professional can analyze your business and provide proper coverage for professional liability.
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Executive Risk
Executive risk covers professionals for negligence and errors or omissions that injure their clients. This can include directors and officers liability, employment practices liability and fiduciary liability. Forrest Sherer Insurance offers all these coverages to our customers and can help you choose the proper policy for your business.
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Directors and Officers Liability
Directors and officers insurance policies usually contain two coverages: personal coverage for individual directors and officers who are not indemnified by the corporation for their legal expenses or judgments against them; and corporate reimbursement coverage for indemnifying directors and officers. Important for any business with a board of directors, this coverage is designed for liability claims arising out of alleged errors in judgment, breach of duty and wrongful acts related to their organizational activities. A Forrest Sherer Insurance professional can advise your business concerning this type of liability.
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Employment Practices
All businesses should be concerned with claims arising from wrongful termination, sex discrimination, age discrimination and sexual harassment toward employees or former employees. Forrest Sherer Insurance can provide this liability insurance to protect employers in these cases.
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Fiduciary Liability
The Employee Retirement Income Security Act (ERISA) imposes an obligation on benefit plan trustees to act solely in the interest of the plan participants. Under ERISA, those plan trustees are deemed to be fiduciaries, which imposes a higher standard of conduct in their role as trustees. Fiduciaries can be held personally liable for both their actions and inactions. If you are an employer or the trustee of an employee benefit plan, your honesty and standard of behavior is measured not merely against the "prudent man" rule, but as a knowledgeable professional, and your actions as they relate to plan participants is of crucial importance. Plans must be properly administered, invested and communicated. See Forrest Sherer Insurance for assistance in obtaining fiduciary liability coverage.
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Pollution
If your business experiences are accidental, involving release of a contaminating material into the environment, environmental pollution/impairment coverage will protect you and your business. Often called Pollution Legal Liability (PLL) or Environmental Impairment Liability (EIL), this provides coverage for bodily injury, property damage, cleanup costs and defense expenses for pollutants emanating from the insured site. General liability, automobile, property and other commercial insurance policies contain pollution exclusions that leave coverage gaps in insurance and risk management programs. See Forrest Sherer Insurance for environmental liability insurance to fill the gap left by pollution exclusions.
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Disaster
Disaster planning is designed to sustain your business as a direct or indirect result of a catastrophic, sudden event (fire, tornado, power failure, ice storm and earthquake). Regardless of whether a disaster is or is not preventable, the impact can be reduced through implementation of a plan to cope with each occurrence. Pre-planning involves developing and implementing a program to prepare for, respond to and recover from a crisis. Being unprepared may result in significant loss to you or your business. Take the time to ensure you are prepared when a crisis or a disaster strikes. At Forrest Sherer Insurance, our Loss Prevention Department can thoroughly assess your risk and will help you build a plan to reduce the impact of this type of loss.
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