General Liability

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. At Groogan Insurance Group, LLC, we can help you create a policy that is designed to safeguard the best interests of your business – so you can focus on serving your customers and increasing your profits.

Commercial General Liability from Groogan Insurance Group, LLC can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Groogan Insurance Group, LLC include:

• Premises Liability
• Products and Completed Operations
• Premises Medical
• Fire Legal Liability
• Casualty Coverage

Other types of Commercial General Liability include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

• Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages, and lawsuits.
• Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor – from liquor establishments to office parties/special events.
• Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Since there are many types of liability coverages, it is important to talk with a specialist at Groogan Insurance Group, LLC about the best options for your business.

Commercial Property

Every day you work hard to ensure that your business stays up and running. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity. That is why it is important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.

With a custom Property Insurance policy from Groogan Insurance Group, LLC, you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:

• Your building
• All interior items (desks, furniture, etc.)
• Any outdoor signs on your property
• On-site equipment
• Your inventory

Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

Additional Business Protection

In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met. To find out more about combining coverages, contact Groogan Insurance Group, LLC today.

Commercial Umbrella

As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances or even your operations.

With Commercial Umbrella Insurance from Groogan Insurance Group, LLC, you can protect your business and your assets in the event that your company gets sued in a major lawsuit.

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.

What Does Commercial Umbrella Insurance Cover?

Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where Commercial Umbrella coverage can safeguard your business:

• Accidental falls or slips on your property
• A carbon monoxide leak in your building
• Libel, slander, or invasion of privacy
• If one of your products causes injury or illness
• If a fire in your building damages other property
• Violations of Employment Practices Liability
• If your business vehicle is involved in an accident

How Much Umbrella Coverage is Enough?

Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at Groogan Insurance Group, LLC, our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.

Protect your business personally and financially with a Commercial Umbrella policy from Groogan Insurance Group, LLC.

Workers' Compensation

Groogan Insurance Group, LLC understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they are properly protected.

But should an accident happen, having the right Workers’ Compensation plan from Groogan Insurance Group, LLC can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

Workers Compensation can cover financial obligations such as:

• An injured employee’s medical expenses/treatment
• The replacement of lost wages from injury time off

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That is why it is important to discuss your options with a specialist at Groogan Insurance Group, LLC who can help you find the right coverage options for all your business needs.

Leave Management

Employers must monitor their employees’ absences. Leave management services will help track, report, and reduce expenses that arise due to employee absences. Everything from sick leave and vacation, to paid time off and military leave, may be covered under a leave management policy.

At Groogan Insurance Group, LLC, we provide a number of leave management services:

• Tracking and reporting of leaves
• Managing employee absences
• Managing vacation
• Managing sick leave
• Paid time off
• And much more …

As an employer, the right leave management services policy will help keep your employees happy and your company running smoothly. Contact a representative at Groogan Insurance Group, LLC today to go over your options.

Group Health Insurance

Groogan Insurance Group, LLC provides group health insurance to businesses in Smyrna, La Vergne, Murfreesboro, Nashville, Antioch, Franklin, and surrounding areas.

As an employer in today’s business world, Groogan Insurance Group, LLC knows how important it is to provide health insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that is healthy and insured with peace of mind.

At Groogan Insurance Group, LLC, we are proud to offer a variety of group health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our health insurance specialists will work with you one-on-one to develop a group plan that is not only affordable but complements your business’s needs.

Which Plan is Right for your Business?

Group health insurance plans typically include either indemnity plans, such as Fee-for-Service (FFS), or managed care plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of-Service (POS).

The major difference between Indemnity and managed care plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.

Since group health insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it is important to discuss your business’ Health Insurance needs with a specialist at Groogan Insurance Group, LLC who can help you find a solution that is ideal and feasible for you and your employees.

Disability Insurance

Happy employees make for a productive workplace, thus helping assure that their protection creates a more positive working environment. Groogan Insurance Group, LLC understands that income stability for workers is not enough. What happens if an employee cannot work due to a disabling illness or injury?

Groogan Insurance Group, LLC provides group disability solutions that will assist employees in replacing parts of their income while they are absent from work. This provides the expertise needed to reduce employee absences, ensuring that your business can continually run as efficiently as possible.

Our group disability coverage options include:

• Short-term disability
• Long-term disability
• Statutory disability
• Absence management services

Contact an insurance specialist at Groogan Insurance Group, LLC to set up a consultation.

Business Owners Policy (BOP)

At Groogan Insurance Group, LLC, we’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That is why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

A Business Owners Policy (BOP) from Groogan Insurance Group, LLC allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.

The proper Business Owners Policy can keep your day-to-day operations protected with options such as:

• Products and Completed Operations
• Premises Liability
• Premises Medical
• Fire Legal Liability
• Business Income Insurance
• Building and Personal Property Protection
• On-Site Equipment Insurance
• Coverage for Inventory Loss
• Crime Insurance

Find Out if Your Business is Eligible

Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at Groogan Insurance Group, LLC who can help you determine whether a BOP is right for your small or medium-sized business.

Loss Control Insurance

Risk management and loss prevention are crucial when it comes to running a business. Not only is it necessary for you to provide a safe work environment for your employees, but it is also important to be prepared in the event an accident occurs in the workplace.

Keep your business risks to a minimum with loss control coverage from Groogan Insurance Group, LLC. We provide a number of loss control services, including but not limited to:

• Safety program development
• Safety training
• Customized loss prevention materials and risk management services
• And much more …

Industry-Specific Services

Groogan Insurance Group, LLC has your business covered; from healthcare practices to technology services, we provide industry-specific services to match your business’ needs. Our consultants are reliable and efficient in controlling and preventing the inherent risks that come with running a business.

Groogan Insurance Group, LLC representatives are here to help ensure that your business runs smoothly. Contact us today to set up a consultation.

Cyber Liability

Recent advancements in technology have created a need for greater understanding and guidelines in a growing industry. At Groogan Insurance Group, LLC, we know the risks businesses face when it comes to a data breach and can provide the comprehensive coverage needed for security.

If your company utilizes computers or other forms of technology, you are susceptible to a cyber breach. We can provide your business with a comprehensive cyber liability plan to cover damages if your business’ data is lost, stolen or compromised. We routinely protect businesses in Smyrna, La Vergne, Murfreesboro, and surrounding areas.

Protection from Data Breaches, Identity Theft, and More

Through our established partnerships, we can create tailored insurance solutions. Our team of agents will work with you closely to understand your business model and make sure your plan doesn’t have any gaps in coverage.

Our data breach insurance covers the following potential risks:

• Loss or Corruption of Data
• Business Interruption
• Various Liabilities
• Identity Theft
• Cyber Extortion
• Reputation Recovery

To get started, please request a quote.

Marine & Inland Marine Insurance

Marine insurance is meant to provide both inland and ocean marine coverage. When your business transports property, you want that cargo to be covered every step of the way. Marine coverage provides protection throughout the entire transport. Groogan Insurance Group, LLC proudly provides businesses of all sizes with the protection they need to run smoothly.

Our marine insurance options include, but are not limited to:

• Property insurance
• Loss control services
• General liability
• Umbrella coverage

Contact a representative at Groogan Insurance Group, LLC to set up a consultation.

Inland Marine: Off-Site Protection for Your Valued Assets

Your products and equipment are the backbones of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it is important to keep your investments protected. With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.

At Groogan Insurance Group, LLC, we are dedicated to providing the coverage your business needs for the asset protection it deserves. Our Inland Marine policy insures that when your business is on the move, we will protect certain items, such as:

• Transported Property
• Computer Equipment and Data
• Contractor’s Tools
• Artwork
• Buildings Under Construction

What Inland Marine Can Do for Your Business

No matter what business you are in, an accident can happen at any time. That is why it is important to have an Inland Marine policy from Groogan Insurance Group, LLC to provide your business with the appropriate coverage it needs during transit.

Since Inland Marine covers items outside of your standard Business Property Insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’ goods or equipment when transported by ocean and air, also known as Ocean Marine.

Professional Liability

Mistakes Happen

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

At Groogan Insurance Group, LLC, we understand that mistakes happen. That is why we are committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

What Does Professional Liability Cover?

While it is important for your business to have general liability coverage for property damage and bodily injury, Groogan Insurance Group, LLC recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Directors and Officers Liability (D & O) – Having financial protection for your business’ Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Fiduciary Liability – Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Employment Practices Liability – With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Contact a representative with Groogan Insurance Group, LLC today to prevent mistakes and errors from becoming major losses for your business.

Bonding

Owning a business means taking risks. At Groogan Insurance Group, LLC, we offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.

The professional and knowledgeable bond specialists at Groogan Insurance Group, LLC will work with you to develop a business solution to help meet all of your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.

Our business solution services include:

• Performance Bonds
• Contractor’s Bonds
• ERISA Bonds
• Fiduciary Bonds
• Sub-Division Bonds
• Court Bonds
• Conservator Bonds
• Surety Bonds
• Fidelity Bonds
• Public Officials
• Liquor Licenses

If you need a bond or license, contact a bond specialist at Groogan Insurance Group, LLC today who can help you find the surety products that keep your business covered.

We provide bonding and license services to businesses near Smyrna, La Vergne, Murfreesboro, Nashville, Antioch, and Franklin.

Types of Fidelity Bonds

Fidelity Bond options from Groogan Insurance Group, LLC include:

ERISA Bonds – for covering any claims that involve a violation of the Employee Retirement Income Security Act (ERISA). This includes situations that range from imprudent investments to failure to enroll employees.

Employee Dishonesty Bonds – that cover fraudulent acts committed by employees on the property of your business, including theft and other violations.

Business Service Bonds – that protect against theft of a client’s or customer’s property on their premises as a result of your employee’s careless actions.

While there are other options available, it is important to discuss the needs pertaining to your business with a licensed professional. At Groogan Insurance Group, LLC, we can provide you with the proper protection to keep your assets secure.

Types of Surety Bonds

Groogan Insurance Group, LLC can write a variety of Surety Bonds including:

• Performance and Payment Bonds
• Contractor Bonds
• Sub-Division Bonds
• Court Bonds
• Conservator Bonds
• Fidelity Bonds
• Public Officials