BUSINESS INSURANCE

Business Owners Insurance

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Business owners insurance (BOP) is designed to combine several important coverages into one policy for small to medium-sized businesses. It typically includes property insurance, general liability, and business interruption coverage.

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Key Features:

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• Property insurance for buildings and equipment.

• General liability coverage to protect against legal claims.

• Business interruption insurance to cover lost income.

A BOP helps small business owners manage risk efficiently and affordably.

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Commercial Property Insurance

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Commercial property insurance protects the physical assets of your business, from the building itself to office equipment and inventory. Whether you own or lease, commercial property insurance ensures you can recover from damage or loss.

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Key Features:

• Coverage for physical buildings, office contents, and inventory.

• Protection against damages from fire, storms, or theft.

• Business personal property coverage for items inside the building.

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With commercial property insurance, your business stays protected from physical losses that could disrupt operations.

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General Liability Insurance

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General liability insurance covers your business against third-party claims for bodily injury, property damage, and personal or advertising injury. It's essential for businesses that interact with clients or customers regularly.

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Key Features:

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• Coverage for bodily injury and property damage claims.

• Legal defense costs if your business is sued.

• Coverage for personal injury or advertising claims.

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With general liability insurance, you protect your business from the most common types of legal claims.

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Workers Compensation Insurance

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Workers compensation insurance is required by law in most states and provides coverage for medical costs and lost wages when an employee is injured on the job.

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Key Features:

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• Coverage for medical bills related to workplace injuries.

• Wage replacement for employees unable to work due to injury.

• Legal protection for employers from lawsuits related to workplace injuries.

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Ensure your employees are taken care of with workers comp insurance.

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Commercial Contractors Insurance

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Commercial contractors face a unique set of risks, from on-site accidents to equipment damage. Commercial contractors insurance ensures that your business is covered from all angles, whether you’re a general contractor or a specialty trade.

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Key Features:

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• Coverage for tools, equipment, and job site materials.

• Liability protection for on-site accidents and injuries.

• Workers compensation coverage for employees on the job.

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Keep your contracting business running smoothly with coverage tailored to your needs.

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Commercial Umbrella Insurance

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Commercial umbrella insurance provides additional liability coverage beyond the limits of your underlying business policies, such as general liability or workers compensation. It acts as a safety net for larger, unexpected claims.

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Key Features:

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• Extra coverage for large liability claims.

• Protection for legal fees, settlements, or judgments.

• Extends coverage for general liability, workers comp, and commercial auto.

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With a commercial umbrella policy, you safeguard your business against high-cost legal claims that could exceed your primary coverage.

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Commercial Auto Insurance

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Commercial auto insurance covers the vehicles your business owns, leases, or rents, including coverage for employees who use their vehicles for business purposes.

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Key Features:

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• Liability coverage for accidents involving your business vehicles.

• Coverage for vehicle damage from collisions, theft, or weather-related incidents.

• Protection for vehicles used by employees in the course of business.

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Whether you own a fleet of trucks or just a single company car, commercial auto insurance keeps your business moving.