Insurance that protects your company, so you can get back to business

Block Insurance understands businesses in the community. As an independent insurance agency in Paragould, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business. We’re proud members of the Paragould marketplace, and we’re committed to being an advocate for you and your business in times of need.

Protecting your businesses: liability

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Block Insurance recommends that all businesses have general liability coverage in place.

Professional Liability Insurance
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers, and technology companies. Block Insurance recommends that all professional and technology companies have E&O coverage.

Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Block Insurance recommends considering this type of coverage.

Directors and Officers Insurance (D&O)
D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

To find out more about these, as well as other business insurance products and services, call us and we’ll help make sure you’re properly covered.

Commercial Umbrella Insurance

If umbrella policies are good for individuals, then they are imperative for business. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not.

The rising costs of lawsuits and judgments are important for today's business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event.

With Block Insurance, we strive to create a safety net for unexpected occurrences. Our commercial umbrella insurance provides an extra layer of liability protection that exceeds general coverage. Talk with our agents today about the coverage needs for every part of your business.

Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other insurance policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, Block Insurance recommends that your business insurance program include this coverage.

Who needs Excess Liability Coverage?

Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, and/or significant public exposure.Talk to Block Insurance about your business operations. We can advise you on what kind of liability coverage you need to protect yourself and your company. Give us a call and we’ll help make sure you’re covered.