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About Blackmon Commercial Insurance
BLACKMON COMMERCIAL INSURANCE (BCI), is dedicated to serving you and all your business insurance needs.
We've been around for over 15 years and we've won several awards for best insurance agent. But, our most important win is making you our happy, life-long business partner. With BCI account size is not what's important. Everyone is important and Customer Service is priority. BCI aims to make each business interaction a positive experience.
Our Commitment to You
Blackmon Commercial Insurance will help you minimize your risk exposures with a comprehensive array of products designed just for businesses: General Liability, Workers Compensation, Commercial Auto, and Builders Risk, to name a few...
We'll help you decide on your business needs and explain all the possible solutions available to you. Our first goal is to serve you by making sure we are there when you need us. When you call; we answer.. When you email; we reply... When you text; we text back...
Welcome to BCI!
Risks we Specialize in
- Commercial Auto
- Owner Operators
- Commercial Fleet
- HVAC
- Dealerships
- General Contractors
- Health Clubs
- Restaurants
- Oilfield Operations
- Industrial
- Restaurants
- Special Events
What You Can Expect
- Friendly, helpful, and knowledgeable staff
- Personal Account Manager
- Free business consultations
- Business packages
- Easy Payment Options
FAQ's
What is General Liability and Why do I need it?
Commercial General Liability coverage kicks in when your business is faced with a lawsuit alleging bodily injury or property damage.
For example, someone might claim that your business…
- Created an unsafe environment where someone was injured.
- Damaged personal property.
- Is responsible for an injury caused by you or one of your employees.
It's important to note that General Liability Insurance protects your business against claims brought against the company as a whole, as well as claims brought against individuals on the company's behalf. When a lawsuit commences, your General Liability policy covers the costs of investigating or defending those claims, which might include paying attorney fees, witness fees, court expenses, and more.
What is Professional Liability or E&O?
Professional Liability, also known as Errors & Omissions protects you when a lawsuit is filed alleging that your word, consultation or advice caused a loss resulting in property damage or injury.
For example, a client may claim that your business…
- Failed to provide promised services.
- Was negligent in rendering its professional services.
- Provided shoddy, incomplete, or incorrect work.
- Made mistakes or oversights.
No matter the merit of those claims, your coverage pays for your legal defense as well as any judgments or settlements that your business may have to pay to compensate the suing party, up to stated policy limits.
What is Workers' Compensation Insurance?
Compensation Insurance is designed to protect your business by paying the costs associated with workplace illness and injury. In most cases, those include medical bills and lost wages — that is, the wages an injured employee would have earned had he or she been able to work during his or her recovery period.
Without Workers Comp in place, the cost of an injury or illness of an employee can be astronomical. This is because sometimes in addition to compensating the injured employee, a business also must pay wages to a replacement employee to perform the duties the injured person is no longer able to carry out.
Most workers' compensation policies also include something called Employer's Liability Insurance, which helps pay for your legal costs in the event that you have to defend yourself in court against an employee's claim of illness or injury.
What is Commercial Auto and Who needs it?
Commercial Auto Insurance covers automobiles, trucks, and service vehicles that your business either uses or owns. Depending on your need, you can get policies that include coverage for…
- Auto liability for when you damage another party's automobile.
- Medical expenses for injuries sustained in a crash.
- Physical damage caused by wrecks, theft, vandalism, and storms.
- Uninsured motorists who cause accidents and don't have coverage.
- Cargo packages
Commercial Auto Insurance most company-owned vehicles. Be it small, medium or large businesses – we will help you structure your policies to meet every insurance need of your business.