Insurance For Business

Commercial liability insurance protects you in the event that your business is sued and found to be legally responsible for a personal injury, non-professional negligent act or damage to property. This type of policy covers the legal costs of defending your business and settling the lawsuit up to the monetary limits established in your policy. It also pays for the medical bills of anyone injured by or on the premises of your business. This type of coverage can be purchased as a standalone policy or bundled with other types of protection.

Commercial Property insurance covers you in the event that property used by your business is damaged or lost due to things like theft or fire. Typically this type of policy covers both property structure and belongings inside such as inventory, office equipment, machinery, computers and other items necessary to your business. 

Depending on the policy, commercial property insurance may also provide operating funds after a catastrophic loss so that your business can get back up and running.

Business Owner's Policy or BOP is one of the most common commercial plans packaging together two crucial coverage types, property and liability. Because of its broad coverage, simplicity and convenience, BOP is an especially great policy for all types of small business. By bundling coverages together in an affordable BOP, business owners can get the coverage they need while saving money. These plans are also fully customizable, adding additional coverages tailored to fit your business' needs. 

  A Commercial Auto policy covers and protects vehicles owned and operated by a business. This type of insurance typically covers bodily injury, property damage, medical payments, collision, comprehension and uninsured/ underinsured.  

Worker's Compensation helps to protect your business in the unfortunate event that an employee gets injured on the job. This policy typically covers specific work-related accidents as well as harm that occurs over time directly relating to employment.

 Some business owners may choose to purchase additional coverage to ensure extra protection for their business and assets. An Umbrella Policy is one such type of additional protection that provides insurance coverage beyond the business’s other liability policies. This type of policy is designed to protect against unusually significant losses and kicks in when a business' main policy has reached its limit.