Business Owners Insurance
Business Owners insurance is coverage that protects your small business from financial damages that can result from accidents, property damage, professional errors, workers compensation claims, and other situations. Having accurate coverage is critical in minimizing the negative impact of claims against your business.
Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks, and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.
Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.
Inland Marine insurance generally covers property that is movable or transportable in nature. It is often used to cover property that needs broader protection than what may be provided by the typical Business Owners Policy.
Workers’ compensation insurance, commonly known as workers’ comp, is insurance that covers medical expenses and a portion of lost wages for employees who become injured or ill on the job. Coverage also includes employee rehabilitation and death benefits.
Work-related accidents are common, and they can be costly without the right coverage. Construction insurance can protect your business against financial liabilities that could result from unexpected accidents and other situations. Adequate coverage could mean the difference between staying in business or not.
Directors and Officers insurance
A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer.
Professional liability insurance, more commonly known as errors and omissions (E&O insurance), is a special type of coverage that protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes on your part (errors) or because you failed to perform some service (omissions).
Commercial bonds are used to make sure practitioners and/or business owners uphold federal and local laws that protect consumers from physical and financial harm.
Commercial Umbrella policy is designed to supplement existing insurance policies. This means Commercial Umbrella Insurance kicks in when the cost of a lawsuit exceeds the limits of certain liability insurance policies you already have.
Commercial General Liability
Commercial general liability insurance is a broad type of insurance policy which provides liability insurance for general business risks.