General Liability

A general liability policy provides essential protection for businesses against third-party claims for bodily injury, property damage, and personal injury. This type of insurance covers legal expenses, medical payments, and damages awarded in lawsuits. It is designed to safeguard a company’s assets and ensure its financial stability in the face of unforeseen incidents that may occur during normal business operations.

Commercial Auto

Commercial auto insurance provides coverage for vehicles used for business purposes. This policy typically protects against risks such as accidents, theft, and damage to vehicles, along with liability for injuries or property damage caused by drivers during work-related activities. Depending on the policy, it may also cover physical damage, medical expenses, and uninsured motorists. It is essential for businesses that utilize vehicles to ensure they have adequate coverage to manage financial risks associated with their operation.

Commercial Property

A commercial property policy provides coverage for businesses against physical loss or damage to their commercial buildings, personal property, and inventory. This policy typically covers a range of perils, including fire, theft, vandalism, and certain natural disasters. It can also include additional coverage options for business interruption, equipment breakdown, and liability protection. The policy is tailored to meet the unique needs of each business, ensuring adequate protection for their assets while facilitating continued operations in the face of unforeseen events.

Excess Liability

An excess liability policy provides additional coverage beyond the limits of your primary liability insurance. This type of policy helps protect your assets in the event of a significant claim or lawsuit that exceeds your existing liability coverage, such as homeowners or auto insurance. It can cover a range of liabilities, including bodily injury, property damage, and legal defense costs, offering peace of mind for individuals and businesses facing high-risk situations. This coverage is particularly valuable for those with substantial assets or who engage in activities that may expose them to greater liability risks.

Workers Compensation

A workers' compensation policy provides financial protection for both employees and employers in the event of work-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs for injured employees while shielding employers from legal liability. This insurance is essential for ensuring a safe workplace and promoting employee well-being, as it facilitates timely medical care and supports workforce recovery. Compliance with state laws regarding workers' compensation coverage is mandatory for most businesses.

Business Owner’s Policies

A business owner's insurance policy (BOP) is a comprehensive solution for small to medium-sized businesses. It combines property insurance, liability coverage, and business interruption insurance into one package. Property insurance covers damages to assets, liability insurance protects against third-party claims, and business interruption insurance covers lost income and expenses during temporary shutdowns. BOPs are tailored for various industries, offering a cost-effective way to manage risks.

There are many more additional insurance policies that may apply to your specific business operations. Give us a call and we can go over the details and see how we can best protect your business.