GET A BUSINESS INSURANCE QUOTE
We can offer a wide range of options to ensure that your business is covered. Our commercial insurance options include; Commercial Liability, Business Auto Insurance, Commercial Property Insurance, Workers Compensation, Business Owners (BOP), as well as other options. If you own a business we can help make sure you keep it protected.
If you're a business owner in Honesdale, Dunmore, Milford, or the surrounding areas, it's good to know that Sheeley Insurance Agency can help you with all of your commercial insurance needs. At Sheeley Insurance Agency, we are an experienced multi-line independent that can advise you on the best commercial coverage options for your business. Because we're independent, we objectively evaluate your insurance needs and compare them against products from multiple insurance companies. We'll offer you a number of no-obligation quotes, so you can be sure you always get the best deal.
Whether you have one business truck or a fleet of 30 delivery vehicles, we can help you find the most affordable Commercial Auto coverage for your vehicles either as a single line of insurance or as part of your entire package.
With the global marketplace evolving rapidly, the requirements for Commercial General Liability Insurance are also changing. At Sheeley Insurance Agency, we can help you find the most comprehensive insurance that covers you for any type of short or long-term exposures.
No business can function without property. That's why we offer Commercial Property Insurance with broad coverage and highly competitive pricing to meet each company's individual needs.
Workers Compensation Insurance is a legal requirement and can be an added financial burden unless you have the right policy. At Sheeley Insurance Agency, we make sure to always maintain the most competitive market for your business's Workers Compensation coverage.
If you're a small business owner, a Business Owners Package might be the best option for you. This type of policy combines General Liability and Commercial Property Insurance on one contract, and at a discounted rate.
Day Care Insurance
Thank You for your interest in our Day Care Insurance Program! Our goal here at Sheeley Insurance Agency is to provide our day care providers with the best possible service at the best possible rates.
Here are some of our commonly used daycare forms for your convenience:
Does my policy cover defense costs for abuse and molestation allegations against employees and volunteers along with my business entity?
Our carrier’s program does cover defense costs of employees and volunteers along with the business entity, but not all carriers do so. Some exclude employees or volunteers entirely, or offer a minimal amount called a sublimit.Equally important is whether defense costs are inside or outside the liability limits on the policy. Our carrier’s liability limits are outside the liability limit thus unlimited, and apply to owner(s), employees or volunteers.Remember, if a carrier excludes the abuse and molestation coverage (and some do), you have no defense.
Does the abuse and molestation coverage go up into my umbrella coverage?
Our carrier’s program does provide the abuse and molestation coverage in the umbrella up to the limit of that umbrella.Some carriers cap the coverage in the underlying liability policy which is much more common, leaving a void of coverage.
Does my policy cover a power failure if that is caused by an off-premises event such as a pole getting knocked down or a transformer exploding?
Our program covers this exposure for up to $50,000 with NO waiting period(normally 72 hours or 3 days). Most carriers do not cover this kind of event unless you add it to the policy at additional premium.
Does my policy cover any medical payments to children for accidents while I have them in my care?
Most policies completely exclude this exposure. With our program this coverage can be purchased very inexpensively for $5000 per child and added into your general liability coverage.As an alternative, our program also has a separate children’s accident policy at a limit of $35,000 per child/$250,000 aggregate, at a very affordable rate per chilid.