Bob Oetting & Associates is committed to being your partner in Risk Management for your business operations. It doesn't matter if you're big or small. Being a small business ourselves, we understand the importance of protecting our assets through business insurance coverage.

We offer many carriers for commercial insurance coverage as well as umbrella insurance and general business insurance to ensure your business is protected. Having business coverage is essential for peace of mind when operating a successful business.

Business Liability
This insurance protects a company of business owner in the case of a lawsuit or third-party claim. Business Liability will cover financial liability and help cover expenses related to your defense.

Liquor Liability Insurance
Great for taverns, bars, clubs, and restaurants serving alcohol. This covers legal costs to defense against suits relating to damages stemming from injury.

Business Auto
Also called BAP, Business Auto Protection covers a company's use of cars, trucks, and any other vehicles you may utilize for daily operations. These vehicles can be leased or owned by your company, or employee owned.

Special Event Insurance
Protect yourself against financial loss in the case of an emergency that forces you to cancel a special event, such as a wedding. This also protects you against property damage or in case an injury occurs.

Workers Comp Insurance
Insurance provides wage replacement and medical benefits if an employee is injured during working hours. 

Errors & Omissions Insurance
Also called Professional Liability Insurance, is a form of liability insurance that protects professional advice and services. It helps cover the cost of a negligence claim and damages awarded in a civil suit.

Cyber Insurance
Meant to protect businesses and users from online risks relating to online activities and IT infrastructure. Covers damages in case of a data breach in which sensitive information is stolen or exposed.

Demolition Insurance
Having Demolition Coverage will help protect against employee errors, unintended pollution, public injury, and even property damage.