Business Insurance

Business insurance 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.

Types of Coverage

  • General Liability
  • Commercial Auto
  • Worker’s Compensation
  • Business Owners Policy (BOP)
  • Umbrella
  • Professional Liability (Errors and Omission)

General Liability

Commercial General Liability prevents major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages usually include:

  • Bodily injury and property damage liability
  • Personal and advertising injury
  • Medical payments
  • Products completed operations

Commercial Auto

You need this coverage if you use your vehicles for business. This can include traveling between job sites, making deliveries or transporting tools and equipment. It gives liability and physical damage protection for your business vehicles and trailers. Coverages usually include:

  • Bodily Injury Liability
  • Medical Payments
  • Personal Injury Protection (PIP) Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Uninsured and Underinsured Motorist Coverage

Worker’s Compensation

Workers' Liability Insurance policy helps your business when it's held responsible for an employee's injury or illness. That means your policy will kick in for the medical bills, lost wages, and potential court costs that you would have to pay out of pocket if you weren't protected by this coverage. If an employee takes their case against your business to court, the Employer's Practices Liability Insurance included in your Workers' Comp policy will kick in to cover the legal costs. Even if your business is not found liable for the allegations, this portion of your policy still covers the expensive attorney's fees and court costs from appearing in court.

The best workers compensation package will help protect your employees in the event of injury or illness during employment. Coverages usually include:

  • Medical expenses
  • Lost income/wages
  • Rehabilitation costs
  • Death benefits
  • And more…

Professional Liability

Professional Liability Insurance — also known as Errors and Omissions (E & O) Insurance — is a necessary safeguard against the risk of lawsuits challenging the professional delivery of your consulting work. If a client claims you were professionally negligent; provided shoddy, incomplete, or incorrect work; made mistakes or oversights; or that your business failed to perform professional duties, your Errors and Omissions Insurance kicks in to save you the cost of attorney's fees, settlement or judgment expenses, bond premiums, and other court costs, up to the limit of your policy. Even if the claim is merit less, your coverage will ensure you do not have to pay out of pocket for the costs of defending your business in court.

Umbrella

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It also insures an incident that occurs outside of your coverage territory. Coverages usually include:

  • Accidental falls or slips on your property
  • A carbon monoxide leak in your building
  • Libel, slander, or invasion of privacy
  • If one of your products causes injury or illness
  • If a fire in your building damages other property
  • Violations of Employment Practices Liability
  • If your business vehicle is involved in an accident