Business Insurance Protection from Esten & Richard

BUSINESS PROTECTION

Most businesses have a lawyer and a CPA, but they often overlook a key member of their financial team... the insurance agent! Whether you are a new business, or have been operating for many years, a one-man shop or a mega corporation, Esten & Richard will provide insurance protection for ALL your needs.

TAKE THE WORRY OUT OF RUNNING YOUR BUSINESS

We maintain a wide range of insurance products and carriers to reduce your business insurance worries.
A sample list of coverages includes:

  • Bonds (All Types)
  • Builder's Risk
  • Business Auto
  • Business Owner Packages (BOP)
  • Contractor Packages
  • Contractor's Equipment & Tools
  • Cyber Security Liability
  • Director's & Officer's Liability
  • Employment Practices Liablility
  • General Liability
  • Liquor Liability
  • Professional / Malpractice Liability
  • Property (incl. Business Interruption)
  • Umbrella (Excess Liability)
  • Workers Compensation

WE HAVE EXPERIENCE WITH MANY BUSINESSES

Our goal is to improve coverage by reviewing & analyzing each of our clients individual business needs while maintaining competitive pricing. Our years of experience have provided us with insight into the insurance needs of many different types of businesses. Some of the many types of clients we deal with are:

  • Apartments Buildings (Including 1 to 4 Family Dwellings)
  • Auto Body Shops / Auto Repair Shops
  • Condominiums Associations (Residential & Commercial)
  • Consultants of All Types
  • Convenience Food Stores (With or Without Gasoline Sales)
  • Day Care Facilities
  • Dry Cleaning & Laundry
  • Exercise, Pilates, Fitness Centers
  • General Contractors & Artisans
  • Golf Courses
  • Indoor Sports Facilities (Soccer / Tennis)
  • Manufacturing
  • Museums
  • Non-Profit Groups (Social Services, YMCA, etc)
  • Office Operations (Lawyers, Realtors, Accountants, Dentists, Doctors)
  • One Day Event Liability
  • Property Management Companies
  • Religious Institutions
  • Restaurants (Including Fine Dining and Fast Food)
  • Retail Stores (All Types)
  • Special Events (Including Parades & Festivals)
  • Towing Service
  • Wholesalers (All Types)
  • Youth Sports Organizations

INSURANCE FOR RESIDENTIAL PROPERTIES

Esten & Richard Agency is one of Northern Rhode Island's largest insurance agents of apartment buildings and condominium complexes.

We also insure 1 to 4 family dwellings.