636.333.1792 info@spectrumstl.com
Property | Liability | Workers Comp | Auto | Bonds

That’s why you want the right coverage to help keep it safe. We work for you to make sure your business is adequately protected today and tomorrow to let you focus on success.
Business Insurance
Your business is as unique as you are. You put a lot of hard work and time into building your business and making it the best it can be. Spectrum works with clients to individualize the right insurance for your business; coverage that will keep you protected in an unexpected event, so you can focus on the future.

Whether you’re looking for liability coverage, workers compensation or even insurance for your business property, Spectrum will help you choose a plan that fits your unique situation.

Commercial Property Insurance
One of the biggest investments a company makes is the building it resides in and the equipment it takes to run the everyday operations. Commercial property insurance can keep your building safe in the event of a disaster, theft, vandalism or other unplanned event and can help with replacement of any damaged or missing equipment.

Business Liability Insurance
Liability insurance provides essential protection for you and your employees. In the event of an accident that causes bodily harm or property damage, your liability coverage will keep you safe. An errors and omissions policy will keep you safe in the event of litigation from claims of negligence.

  • Commercial Umbrella Insurance | Just like a personal umbrella policy, commercial umbrella insurance provides protection above and beyond a general business policy. In the event of a catastrophic financial disaster, your general business insurance may reach its limit. This is when an umbrella policy would provide coverage beyond your general policy limits.
Workers Compensation Insurance
You want your employees to be as safe as possible, but sometimes accidents happen. In the event of an injury in the workplace, workers compensation insurance will be there to help your employees with medical care and even lost wages if they can’t work, while keeping you safe from legal trouble.

Business Auto Insurance
Many businesses employ a fleet of automobiles to help their employees get where they need to be. Those automobiles, as well as the drivers, need protection just like a personal vehicle. Business auto insurance can help cover company cars and drivers and even offer protection for rental cars.

Surety bonds are not the same as insurance. They're designed to guarantee a principal will act with honesty, integrity and financial responsibility and obey a law or contract. When you apply for a bond with Spectrum, we review your case individually and efficiently, often issuing bonds within a 24 hour period.