Call Our Experts

Other Business Insurance

Business Auto

Protecting your business in three easy steps

A business is only as safe as the tools it uses. One of the best tools a business can use to protect its assets is commercial auto insurance.

Understanding insurance can be tricky. One of the first steps toward making an informed decision is to understand coverage and service options. 

Here are three easy steps to help figure out your commercial auto insurance needs:

Insurance isn’t just about price. It’s about service, too. How are claims handled? How long will it take to get your vehicle back on the road? Can you get questions answered outside of business hours or online? Know the answers to these questions. Your time is money.

A standard commercial auto policy generally includes coverage for:
  • Injuries or damage that you cause
  • Injuries or damage that you cause
  • Injuries or damage that you cause
  • Injuries or damage that you cause

When it comes to damage that you cause, you may be required to purchase certain limits based on who you work for. For instance, if you work for certain home builders, you may be required to carry $1 million in liability limits. Consider how much you are willing to pay out of pocket if your liability in an accident is more than your policy limits.

To get the best rates, run motor vehicle reports on potential drivers.

If you let your insurance lapse, you’ll probably pay more for your next policy. Ask about discounts, including paid-in-full and renewal discounts

Just like your customers rely on your professional skills, call a professional independent insurance agent who will be in your corner, researching and recommending the best options.

“Commercial auto insurance is complicated, but it is vital to protecting your livelihood,” says Bill Kampf with The Progressive Group of Insurance Companies, one of the largest commercial auto insurers in the country.

For more information about commercial auto insurance contact us!

Special Events

General Liability Insurance for Special Events

Today’s busy lifestyles are filled with social gatherings from community festivals to car shows, conventions to weddings. If you organize family, business or community events, you know how much planning and effort is involved to make the occasion both safe and special for everyone. Even with the most careful planning, unexpected situations can arise that you might not be prepared for. Lock Insurance is here to help.

Why do you need liability insurance?

Our Specialty Liability Insurance for Short-term Special Events provides important liability protection for a variety of organized events.

  • Total event attendance must be fewer than 12,000
  • Event days must be consecutive
  • The event has a maximum of 10 consecutive event days (excluding set-up/tear down)
  • The event must be held at a single location
  • That location must not be owned by the named insured

Our short-term special event insurance features zero deductibles for liability claims. It helps protect against bodily injury and property damage claims arising from:

  • Operations
  • Premises
  • Products and completed operations
  • Advertising
  • Personal injury liability
  • Liquor liability
  • After prom parties (school-sponsored event only)
  • Auctions
  • Award presentations
  • Ball/dances
  • Banquets
  • Bar mitzvah or bat mitzvah
  • Bazaars
  • Benefits
  • Billiard events/tournaments
  • Bingo games (for charity/fundraising only)
  • Book signings
  • Card games/events (for charity/fundraising only)
  • Car/motorcycle/RV/boat shows – static display only
  • Car washes (for charity/fundraising only)
  • Casino events (for charity/fundraising only)
  • Celebrations (holiday, New Year)
  • Chamber of commerce business event/mixer
  • Charity events
  • Chess events
  • Christmas caroling (single location)
  • Christmas lighting ceremony
  • Concerts – other than techno/DJ, alternative, rap or hip-hop (call for approval)
  • Conventions
  • Debuts or debutante balls
  • Dinners, luncheons or showers
  • Direct selling consultant parties
  • Easter egg hunts
  • Farmers’ markets
  • Festivals
  • Film screenings or showings
  • Flea markets or swap meets
  • Food cooking contests
  • Graduation ceremonies
  • Job fairs
  • Lectures/seminars/workshops
  • Meetings
  • Memorial Services
  • Pageants
  • Parties
  • Picnics (no in or on water activities)
  • Poet or poetry readings
  • Proms
  • Quinceanera
  • Recitals (dance, music)
  • Religious events
  • Reunions
  • Sales (bake, charity, consignment, estate, garage)
  • School band or drill team competitions
  • School carnivals (no rides/inflatables)
  • Showers (baby, bridal, wedding)
  • Social gatherings or receptions
  • Shows (animals-arena setting only, antique, art, baby, business, collector, consumer,craft, fashion, flower, garden, home, stage, wedding)
  • Speaking engagements
  • Talent search/shows – children only
  • Telethons
  • Theatrical performances or musicals
  • Walking tours (garden, holiday, parade of homes, historical sites) – single location

Wedding activities (rehearsal, ceremony or reception)

Excess Liability


Lock Insurance excess liability insurance provides an additional coverage beyond that of an underlying policy, including general liability, employer’s liability, and hired and non-owned auto liability policies. For instance, if one has $1 million in general liability coverage and a covered claim is settled for $1.5 million, his or her small business’s excess liability insurance policy would cover the additional amount.

Excess liability insurance is generally the most affordable way to get higher policy limits on several other small business insurance policies. The policy can be purchased relatively cheaply. Individuals typically purchase this type of policy to protect themselves in the event that they are sued for in injury or negligence. When an individual is sued the amount may be more than what is provided by the liability coverage on an automobile or homeowners policy.