Spencer Ryan, along with and experienced commercial lines team, leads the industry in professional lines products. This includes:
- Medical Malpractice
- Directors and Officers
- Architects and Engineers
- Employment Practices Liability Insurance
- Veterinary Professional
- Technology E & O
- Data Breach, Privacy and Cyber Liability
- Miscellaneous Professional
- Allied Professional
- Lawyers Professional Liability
Use of a vehicle for commercial purposes is very different than use of a vehicle for personal purposes. Did you know that most personal automobile polices have an exclusion in them that precludes coverage if you are using your personal vehicle for commercial purposes? For that reason, when a vehicle is being used in a business, we need to place a Commercial Automobile policy for our clients. As an Independent Insurance Agency, we have access to many different companies to place your Commercial Automobile coverage. Whether you are using your commercial vehicles for construction, sales or delivery, we have a company that will fit your needs!
Commercial Property, because of its use, is unique and different from residential properties such as your home. For that reason, Commercial Property is treated very differently. At Ryan-St. Marie, we take time to make sure we tailor your coverages to meet your business’s needs. We don’t sell you coverage that you don’t need. A Painting Contractor has different Commercial Property needs than an Automobile Dealership, the same policy will not work for both of them! By sitting down with you, asking questions and fully understanding your business and your business’s needs and exposures, we are able to craft coverages that are specifically designed by us for you and your business. There are no “cookie cutter” policies at Ryan-St. Marie. Your business is unique and deserves uniquely tailored coverages!
Commercial General Liability
For many businesses, a liability claim is the biggest risk exposure and if not insured property, it can put a company out of business. What if your product injures a third party? What if someone slips and falls and sustains injuries at your office? These are all questions that we take time to discuss with our clients as we tailor liability coverages to meet your business’s specific risk exposures.
Ohio’s Worker’s Compensation laws protect employees who are injured in the workplace. The Ohio Bureau of Workers Compensation is involved with administering claims as well as pricing of Workers Compensation policies. This combination and convergence of law and insurance can get very complicated for employers. At Ryan-St. Marie, we do our best to explain the intricacies of this exposure and handle this insurance with as little complication as possible. We place Workers Compensation policies large and small. Some with only Ohio exposures, some with exposures in all 50 states. Let us help you understand Ohio’s Workers Compensation and craft a policy that suits your business’s needs!