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Business Insurance

From Maine to California, we’re dedicated to serving the unique needs of a variety of businesses and their owners. Whether you’re a start-up business or have years of experience, we take the time to learn the ins and outs of your operation so we can consult on coverage and pick out the most competitive options. We’re committed to serving restaurant owners, retailers, professional firms, technology companies, and other businesses with unique and changing needs who need great protection at a great price.

  • Business-owners
  • Business Auto
  • General Liability
  • Business Property
  • Inland Marine
  • Workers Compensation
  • Errors & Omissions
  • Employment Practices Liability
  • Cyber Liability
  • Professional Liability
  • Key Man Insurance
  • Buy/Sell Funding

Small Business Insurance

Whether you operate in rural Maine or booming Los Angeles, you are more than aware that small businesses are the cornerstone of our entrepreneurial population. Small business insurance and protection is vital to the risks that we take when spearheading our own companies. At Lotfey Dennett we consider all possible outcomes, so no matter what the future holds— you remain protected.

When safeguarding your company investments you will want to consider purchasing the following types of small business coverage:

General Liability Insurance

By investing in General Liability insurance for your small business in Maine or California, you will be protecting your business from another person or business’s claim at injury. This includes body injury, personal injury, or property damage. At Lotfey Dennett we will find you a tailored general liability insurance plan that will protect you from any and all claims.

Errors & Omission Insurance

Errors & Omission insurance is vital for all small businesses that offer services that could lead to lawsuits or any other fiscal risks. Lotfey Dennett is dedicated to taking preventative action against claims of inadequate or remiss work. We will help find you coverage that offers the best defenses over costs and settlements. In life mistakes happen and our team at Lotfey Dennett can prepare you when they do.

Workers Compensation Insurance

As your small business grows, so does your responsibilities to ensure its protection. Worker’s compensation insurance safeguards your employee expenses. In the event that one of your team members gets sick or injured on the job—you will be protected.

Business Auto

There are a wide-variety of small businesses that require business auto insurance. From florists to food delivery services, if you make products for transport then your business needs protection. A lot can happen when you are on the road and we want to ensure you and your business stays safe while driving. Whether you’re located in Northern Maine or Southern California, we have insurance that can target your every business need.

Our team of insurance specialists at Lotfey Dennett supply a large spectrum of industries with Business Auto insurance including:

  • Landscaping Insurance
  • Contractor Insurance
  • Food Service Insurance
  • Courier Insurance
  • Religious and Non-for-Profit Insurance
  • Distribution Insurance
  • Garbage Truck Insurance
  • Dump Truck Insurance
  • Tow Truck Insurance
  • Street Sweeper Insurance
  • Limousine Insurance
  • And Much More!

Employment Practices Liability Insurance

As exciting as it is to build out a strong internal team for your small business, some things will always be out of your control. That’s why employment practice liability insurance is imperative to you and your company. In the event that an employee claims wrongful termination, discrimination, invasion of privacy, breach of contract, emotional distress, or wage and hour law violations—you have a strong line of defense. Our team at Lotfey Dennett will help you find a employment practice liability plan that will protect your small business from damaging employment charges.

Cyber Liability Insurance

Technology has the opportunity to elevate small businesses, but also cripple them.  Protecting yourself, and your customers, from a security breach is increasingly important in 2016. Cyber liability insurance is a must for your small business because it will cover the costs associated with stolen information and security hacking, including: credit monitoring, costs to defend claims by state regulators, fines and penalties, notification costs and loss resulting from identity theft. At Lotfey Dennett, we take security seriously, from East coast to West coast.