Commercial Insurance
Commercial Insurance
Comprehensive Protection for Your Growing Business
JM Insurance provides tailored commercial insurance solutions to protect businesses from risks and liabilities. With a focus on personalized service and comprehensive coverage options, JM Insurance ensures clients receive the protection they need to safeguard their assets, employees, and operations. Whether it’s property damage, liability claims, or employee injuries, JM Insurance is committed to providing reliable support and peace of mind to businesses of all sizes. Trust JM Insurance to be your partner in navigating the complexities of commercial insurance, allowing you to focus on what matters most—your business’s success.
Comprehensive Protection for Your Growing Business
JM Insurance provides tailored commercial insurance solutions to protect businesses from risks and liabilities. With a focus on personalized service and comprehensive coverage options, JM Insurance ensures clients receive the protection they need to safeguard their assets, employees, and operations. Whether it’s property damage, liability claims, or employee injuries, JM Insurance is committed to providing reliable support and peace of mind to businesses of all sizes. Trust JM Insurance to be your partner in navigating the complexities of commercial insurance, allowing you to focus on what matters most—your business’s success.
Commercial Insurances
Worker's Compensation
Worker’s compensation insurance safeguards employees who experience work-related injuries or illnesses, ensuring they receive medical care and wage replacement during recovery. For most Montana business owners, carrying this coverage is not just a legal requirement—it’s a vital part of supporting a safe and responsible workplace. It helps protect your team and business from the financial impact of on-the-job incidents.
Worker's Compensation
Worker’s compensation insurance safeguards employees who experience work-related injuries or illnesses, ensuring they receive medical care and wage replacement during recovery. For most Montana business owners, carrying this coverage is not just a legal requirement—it’s a vital part of supporting a safe and responsible workplace. It helps protect your team and business from the financial impact of on-the-job incidents.
General Liability
General liability insurance protects your business from the financial risks of third-party claims involving bodily injury, property damage, or negligence. Whether it’s a slip-and-fall accident or damage caused during a job, this coverage helps cover legal fees, medical expenses, and settlements. It’s a foundational safeguard that allows you to operate with confidence and professionalism.
General Liability
General liability insurance protects your business from the financial risks of third-party claims involving bodily injury, property damage, or negligence. Whether it’s a slip-and-fall accident or damage caused during a job, this coverage helps cover legal fees, medical expenses, and settlements. It’s a foundational safeguard that allows you to operate with confidence and professionalism.
Professional Liability (Errors and Omissions)
Professional liability insurance—errors and omissions (E&O) coverage—protects your business from claims related to mistakes, oversights, or professional negligence. Whether you’re an accountant, consultant, advisor, or other service provider, this coverage helps manage the legal and financial fallout of dissatisfied clients or unintentional errors. It ensures that one mistake doesn’t jeopardize the integrity or future of your business.
Professional Liability (Errors and Omissions)
Professional liability insurance—errors and omissions (E&O) coverage—protects your business from claims related to mistakes, oversights, or professional negligence. Whether you’re an accountant, consultant, advisor, or other service provider, this coverage helps manage the legal and financial fallout of dissatisfied clients or unintentional errors. It ensures that one mistake doesn’t jeopardize the integrity or future of your business.
Commercial Property
Commercial property insurance helps protect the physical assets your business depends on, including buildings, inventory, equipment, furniture, and fixtures. Whether damage is caused by fire, theft, or weather, this coverage helps ensure your business can recover and continue operating. It’s a key part of securing your investment and maintaining business continuity.
Commercial Property
Commercial property insurance helps protect the physical assets your business depends on, including buildings, inventory, equipment, furniture, and fixtures. Whether damage is caused by fire, theft, or weather, this coverage helps ensure your business can recover and continue operating. It’s a key part of securing your investment and maintaining business continuity.
Commercial Auto
Commercial auto insurance covers vehicles used for business purposes, protecting both you and your employees while on the road. Whether it’s a single work truck or an entire fleet, this coverage helps with accidents, property damage, and liability claims. It ensures your operations stay on track, even when the unexpected happens.
Commercial Auto
Commercial auto insurance covers vehicles used for business purposes, protecting both you and your employees while on the road. Whether it’s a single work truck or an entire fleet, this coverage helps with accidents, property damage, and liability claims. It ensures your operations stay on track, even when the unexpected happens.
Commercial Umbrella (Excess Liability)
Commercial umbrella insurance provides additional liability protection beyond the limits of your primary business policies, such as general liability, commercial auto, or employer’s liability. It steps in when a large claim exceeds your existing coverage, helping to protect your business assets and financial stability. This extra layer of security ensures you’re prepared for high-cost claims or lawsuits that could otherwise threaten your operations.
Commercial Umbrella (Excess Liability)
Commercial umbrella insurance provides additional liability protection beyond the limits of your primary business policies, such as general liability, commercial auto, or employer’s liability. It steps in when a large claim exceeds your existing coverage, helping to protect your business assets and financial stability. This extra layer of security ensures you’re prepared for high-cost claims or lawsuits that could otherwise threaten your operations.
Farm & Ranch
Farm and ranch insurance offers flexible, comprehensive coverage tailored to the unique needs of agricultural operations. It protects everything from your home and barns to equipment, livestock, and crops, along with liability coverage for accidents or injuries on your property. Whether you run a small family farm or a large-scale ranch, this insurance helps keep your livelihood secure.
Farm & Ranch
Farm and ranch insurance offers flexible, comprehensive coverage tailored to the unique needs of agricultural operations. It protects everything from your home and barns to equipment, livestock, and crops, along with liability coverage for accidents or injuries on your property. Whether you run a small family farm or a large-scale ranch, this insurance helps keep your livelihood secure.
Frequently Asked Questions
- Small Business Insurance Questions
What's a BOP?
- BOP stands for Business Owners Policy. The typical BOP covers three major things: property coverage, General Liability, and Business Interruption.
- Property coverage can help reimburse you for the loss of tools, supplies, and inventory.
- General Liability protects you from claims arising from litigation as a result of your business practices.
- Business Interruption kicks in when a covered loss causes you not to be able to conduct business. It helps replenish lost income and pay ongoing expenses incurred by your business. (Rent, payroll, subscriptions, etc.)
What is a certificate of insurance?
- Many times, if a work contract is being made or you are securing a job through your business, the person or entity in charge of making the deal will want proof of insurance. A certificate shows this requested proof as a summary of coverage.
What does it mean when someone wants to be added as an Additional Insured to my policy?
- When someone requests this, it means that they want to gain liability protection under your policy relevant to the job or task that you are carrying out for them.
- Small Business Insurance Questions
What's a BOP?
- BOP stands for Business Owners Policy. The typical BOP covers three major things: property coverage, General Liability, and Business Interruption.
- Property coverage can help reimburse you for the loss of tools, supplies, and inventory.
- General Liability protects you from claims arising from litigation as a result of your business practices.
- Business Interruption kicks in when a covered loss causes you not to be able to conduct business. It helps replenish lost income and pay ongoing expenses incurred by your business. (Rent, payroll, subscriptions, etc.)
What is a certificate of insurance?
- Many times, if a work contract is being made or you are securing a job through your business, the person or entity in charge of making the deal will want proof of insurance. A certificate shows this requested proof as a summary of coverage.
What does it mean when someone wants to be added as an Additional Insured to my policy?
- When someone requests this, it means that they want to gain liability protection under your policy relevant to the job or task that you are carrying out for them.