Commercial Insurance

To make you “Safer with Shafer®”, we begin by developing a thorough understanding of your business and its vulnerabilities. We then assemble insurance coverages and risk transfer methods designed to protect your company from loss and protect what you have worked so hard to build.

No matter your company size or specialty, we can help!

Commercial Insurance Coverages We Offer

The property that your business owns is a major asset, and being covered for losses (whether minor or catastrophic) is extremely important. Commercial property insurance covers more than just the building – your contents and critical business assets should be reviewed. From determining the value of your building, to complex evaluations of your business income, you can depend on the professionals at Shafer Insurance Agency to evaluate your risks and catch potential losses.
Professional & Management Liability
    Professional and/or management liability is a broad term that describes products to cover directors and officers, employment practices, trustees, and fiduciary liability. A common myth is that only large companies need these liability products; however, even if you have one employee, you are exposed for claims including discrimination, wrongful termination, sexual harassment and more.
    As a general rule, one of the biggest exposures a business can have is automobiles out on the road. Whether your company drives one million or one thousand miles per year, things can go wrong very quickly. We can design a plan for you for your owned, fleet, hired and non-hired autos that will keep your costs as low as possible.
Crime Insurance
    Crime insurance has evolved tremendously over the years to include computer fraud, funds transfer fraud, social engineering, etc. There are many different coverages for these types of losses, and at Shafer Insurance Agency, we consider a proper evaluation an essential service offering.
Worker's Compensation
    Part of any good insurance plan includes having a workers compensation policy in place, and in most states, it is required by law. When an injury occurs, you want to take care of your employees and get them back to work as quickly as possible. Whether it’s providing you with a safety program, drug-free workplace training or strengthening your return-to-work program, our experienced specialists can develop a tailored plan that is perfect for your sized business.
International Insurance
    Most policies give liability coverage anywhere in the world as long as the lawsuit is brought in the United States. However, if you sell product overseas, this can create a large gap in coverage. International liability coverage, along with coverage restrictions for importing and exporting, makes creating a proper international insurance plan vital.
Cyber Coverage
    This coverage is incredibly important to any company’s risk management plan, as it protects businesses from internet-based risks such as fraud, ransom ware, extortion, systems failure, and network security. Due to federal and state requirements, the cost to clean up a cyber breach is estimated to cost $150,000 to $300,000. Don’t leave your company exposed; let us help you make sure you’re properly covered.
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General Liability
    Are you adequately protecting your business? Did you know in the event of a bad loss that you’re deemed responsible for, you can lose not only what you have now, but what you may have in the future? Whether you’re in the hospitality, manufacturing or other industry, you must proactively assess your potential exposure before something happens.

Insurance Carriers We Represent

Our agency prides itself on its long-term relationships with our customers and the working relationships we have with the insurance carriers we represent. These relationships are what enable us to provide our customers with exceptional coverage and extremely competitive rates.

Being an Independent Agent gives us the ability to place your insurance coverage with the insurance carrier that offers the competitive pricing and specific coverages you need. We represent several AM Best A Rated Insurance Carriers and refuse to work with substandard companies just for the sake of pricing.

Our Carriers

  • Accident Fund Insurance Co. of America / United Heartland
  • Ace / Chubb
  • Auto Owners
  • The Cincinnati Insurance Companies
  • Energi
  • Frankenmuth Financial
  • Hartford
  • MAPFRE / American Commerce
  • Penn National
  • Safeco
  • Summit Holdings
  • Travelers
  • Union Standard
  • Westfield Group
  • Cincinnati Specialty
  • Great American
  • Philadelphia Insurance Co.
  • Strategic Comp
  • Auto Owners
  • Berkley
  • Cincinnati
  • CNA
  • GCNA
  • Hartford
  • Liberty Surety
  • Merchants
  • Penn National
  • Cincinnati Insurance and Hartford
  • Philadelphia Insurance Co.
  • SureTec
  • Travelers
  • United Fire Group
  • Westfield Group
  • Zurich
Contact Us today with any questions or for a quote.

Commercial Insurance Contact Information

  • Andy Shafer, President – (865) 292-1100
  • Aaron Jensen, Producer (Tri-Cities Office) – (423) 239-6235
  • Jason Tallent, Vice President of Construction Services – (865) 292-1106
  • Rachel Morton, Claims Administrator – (865) 292-1110