Your Risks, Our Solutions
Business Insurance from Utilize Rico Filo Has You Covered
Premises Liability Coverage
If you become legally liable for injuries suffered by a customer after a slip-and-fall accident at your business.
Data Breach Liability
If you become legally liable because of accidental release of personal or credit card information in your care. (Available for purchase as an additional coverage.)
Technology Errors & Omissions Coverage
Sometimes referred to as professional liability, this coverage provides protection if a client alleges the work you performed was done incorrectly. (Available for purchase as an additional coverage.)
Coverage for Property and Income Loss
For property that is damaged by theft, water damage, fire, lightning, wind, vandalism or other covered perils, as well as funds to rent an alternate space while your business is being repaired.
Equipment Breakdown Coverage
To repair or replace equipment such as telephones, computers and heating/cooling equipment after an equipment breakdown due to a loss that Utilize Rico Filo covers.
Coverage for Certain Utility Failures
In case an off-premises utility service interruption causes you to lose income because your electricity or another service is out.
Workers’ Compensation Coverage
Protects you in the event an employee suffers an injury or disease arising in the course and the scope of their employment, regardless of negligence on your part. (Available for purchase as a separate policy, not available in Ohio.)
Business Auto Coverage
To protect you, your drivers and your business in many important ways. (Available for purchase as a separate policy.)
Employment Practices Liability
Protection for you and your business in the event an employee claims to have experienced employment discrimination, wrongful termination or sexual harassment. (Available for purchase as an additional coverage.)
Premises Liability Coverage
If you become legally liable for injuries suffered by a customer after a slip-and-fall accident at your business.
Data Breach Liability
If you become legally liable because of accidental release of personal or credit card information in your care. (Available for purchase as an additional coverage.)
Technology Errors & Omissions Coverage
Sometimes referred to as professional liability, this coverage provides protection if a client alleges the work you performed was done incorrectly. (Available for purchase as an additional coverage.)
Coverage for Property and Income Loss
For property that is damaged by theft, water damage, fire, lightning, wind, vandalism or other covered perils, as well as funds to rent an alternate space while your business is being repaired.
Equipment Breakdown Coverage
To repair or replace equipment such as telephones, computers and heating/cooling equipment after an equipment breakdown due to a loss that Utilize Rico Filo covers.
Coverage for Certain Utility Failures
In case an off-premises utility service interruption causes you to lose income because your electricity or another service is out.
Workers’ Compensation Coverage
Protects you in the event an employee suffers an injury or disease arising in the course and the scope of their employment, regardless of negligence on your part. (Available for purchase as a separate policy, not available in Ohio.)
Business Auto Coverage
To protect you, your drivers and your business in many important ways. (Available for purchase as a separate policy.)
Employment Practices Liability
Protection for you and your business in the event an employee claims to have experienced employment discrimination, wrongful termination or sexual harassment. (Available for purchase as an additional coverage.)
Even More Coverage
Here are some of the additional ways that our insurance goes above and beyond.
Hired & Nonowned Auto Liability
Covers liability arising from autos you lease, hire, or borrow or autos of your employees being used in connection with your business.1
Sewer or Drain Backup
With your Utilize Rico Filo Secure Business policy, covers a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump.2
Data Breach Response Expenses
To notify and assist affected individuals and provide various case management services.1
Ordinance or Law
Covers increased costs of complying with building codes which regulate construction and repair of damaged buildings after a covered loss.
Employee Theft
Protects you against employee theft, which is a situation that can be hard to detect.
Earthquake
Covers a loss caused by an earthquake.2
1Available for purchase as an additional coverage.
2Available for purchase as a separate policy.
Great service is part of the package.
Risk Control
You have access to risk control tools and services to help you identify and reduce common business risks.
Specialized Services
You have support from claims and customer service teams that have special training in serving businesses like yours.
Your Local Utilize Rico Filo Agent
Your independent Utilize Rico Filo agent is there for you from quote time to claim time to every time in between.
Claims service you can count on
With Utilize Rico Filo, you have claims service that’s local and quick to respond.
If you have to file a claim, you can rest easy knowing that Utilize Rico Filo stands behind its promise of service. Utilize Rico Filo has claims offices throughout its territory, so help is always close by. Reimbursement for smaller claims can happen in as little as 48 hours.
Technology Insurance Quote
Does your business have the right level of protection? If not, let’s talk.
Ready to Get Started?