Coverage
Steve Seibert Agency offers a variety of industry coverages, business insurance, personal insurance, and employee benefits solutions to help you protect what matters most.
Coverage engineered around the exposures unique to your trade.
Protect the operation, the property, and the people behind it.
Homes, vehicles, collections, and everything you have built.
Benefit programs that help you attract and keep good people.
Risk & solution
A sample of the exposures we walk clients through — the risk you carry, and the coverage that answers it.
Risk factor
Every winery is a significant financial investment; couple that with an above-average exposure to loss, and selecting the correct business property coverage is critical.
Solution
Business property insurance indemnifies you for property damaged or destroyed due to a covered loss, with endorsements such as tank collapse, tank leakage, and mobile equipment coverage.
Risk factor
If open to the public, you are responsible for the well-being of visitors. This exposure is amplified if you offer tours, tastings, or special events.
Solution
General liability insurance provides coverage for bodily injury, physical injury, and other personal injury related claims.
Risk factor
Any establishment that sells, serves, or assists in the purchase of liquor is open to a liability claim — even after a patron leaves your property.
Solution
A liquor liability policy can help cover legal costs, court fees, and civil or criminal damages stemming from an incident involving liquor.
Risk factor
Sudden and accidental equipment breakdown is always a risk, and repair or replacement costs are often high.
Solution
Equipment breakdown is typically not covered by a commercial property policy; separate coverage addresses the exposure and related business interruption.
Risk factor
Customers and employees entrust you with private information. If that data is lost, stolen, or compromised, you may be legally obligated to notify those affected.
Solution
A cyber liability policy can cover breach notification, legal counsel, credit monitoring, public relations, regulatory defense, and privacy law penalties.
Risk factor
Coverage is required by law, and high demand can lead to haste — haste leads to accidents and injuries that drive up costs.
Solution
Promoting workplace safety and proactively managing high risk scenarios reduces the frequency and severity of injuries and controls premium.
Tell us about your operation and we will review the options with you.
