Commercial
Business Insurance Offered | Contact Us
What is Business Insurance?
Business insurance protects you from the unexpected costs of running a business. Accidents, natural disasters, and lawsuits could threaten your operations if you are not protected with the right coverage. Entity protections like LLCs or corporations typically only protect personal property from certain lawsuits, and even that protection is limited. Business insurance fills the gaps to help protect both your personal assets and your business assets from unexpected catastrophes. In some cases, you may be legally required to carry specific types of coverage.
Business Insurance Offered
Commercial General Liability
Commercial General Liability (CGL) provides coverage for bodily injury, personal injury, and property damage caused by your operations, products, or incidents on your premises. It is a broad form of business insurance but does not cover every risk on its own.
Commercial Property
Commercial property insurance varies by policy. Basic property coverage usually includes losses from fire, lightning, wind and hail, and vandalism. Additional options can include earthquake and glass breakage. Key items to insure include your building, office equipment, inventory, and outdoor items such as fencing, storage sheds, and signs.
Workers’ Compensation
Workers’ compensation helps cover medical costs and lost wages for work-related injuries and illnesses.
Commercial Auto
Commercial auto insurance helps cover medical payments and property damage related to an accident, including legal expenses if you are sued. Policies may also include coverage for theft, vandalism, and other losses. Most policies include liability insurance for accidents involving employees while driving for business.
Commercial Auto
Also called course of construction insurance, builders risk helps cover damage or loss to buildings during construction or renovation due to covered perils such as fire, storm, wind, vandalism, theft, fungus/contamination, or collision with vehicles or aircraft. Coverage often extends to materials, documents/data, temporary structures, and other soft costs depending on the policy.
Umbrella and Excess Liability
Umbrella and excess liability policies add an extra layer of protection above your primary liability limits.
Inland Marine / Contractor’s Equipment
Helps protect equipment against risks like weather, theft, transit damage, and operator error. Typical items include heavy equipment and specialized machinery.
Cargo
Cargo insurance helps protect against financial loss if cargo is damaged or lost due to covered events such as natural disasters, vehicle accidents, cargo abandonment, customs rejection, acts of war, or piracy.
Professional Liability
Professional liability insurance (errors and omissions) helps protect professionals such as accountants, attorneys, and physicians against claims of negligence, malpractice, or misrepresentation not covered by general liability.
Pollution
Pollution insurance helps manage costs associated with pollution cleanup and liability claims for pollution-related injuries, illnesses, or deaths.
Commercial General Liability
Commercial General Liability (CGL) provides coverage for bodily injury, personal injury, and property damage caused by your operations, products, or incidents on your premises. It is a broad form of business insurance but does not cover every risk on its own.
Commercial Property
Commercial property insurance varies by policy. Basic property coverage usually includes losses from fire, lightning, wind and hail, and vandalism. Additional options can include earthquake and glass breakage. Key items to insure include your building, office equipment, inventory, and outdoor items such as fencing, storage sheds, and signs.
Workers’ Compensation
Workers’ compensation helps cover medical costs and lost wages for work-related injuries and illnesses.
Commercial Auto
Commercial auto insurance helps cover medical payments and property damage related to an accident, including legal expenses if you are sued. Policies may also include coverage for theft, vandalism, and other losses. Most policies include liability insurance for accidents involving employees while driving for business.
Commercial Auto
Also called course of construction insurance, builders risk helps cover damage or loss to buildings during construction or renovation due to covered perils such as fire, storm, wind, vandalism, theft, fungus/contamination, or collision with vehicles or aircraft. Coverage often extends to materials, documents/data, temporary structures, and other soft costs depending on the policy.
Umbrella and Excess Liability
Umbrella and excess liability policies add an extra layer of protection above your primary liability limits.
Inland Marine / Contractor’s Equipment
Helps protect equipment against risks like weather, theft, transit damage, and operator error. Typical items include heavy equipment and specialized machinery.
Cargo
Cargo insurance helps protect against financial loss if cargo is damaged or lost due to covered events such as natural disasters, vehicle accidents, cargo abandonment, customs rejection, acts of war, or piracy.
Professional Liability
Professional liability insurance (errors and omissions) helps protect professionals such as accountants, attorneys, and physicians against claims of negligence, malpractice, or misrepresentation not covered by general liability.
Pollution
Pollution insurance helps manage costs associated with pollution cleanup and liability claims for pollution-related injuries, illnesses, or deaths.