Business Insurance

If your business has employees, workers’ compensation insurance is usually required by law. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

General Liability, or “CGL” Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. It covers situations where someone is injured on your business premises or if your business activities cause damage to someone else’s property.

If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability coverage for accidents and physical damage coverage for the vehicles.

Property insurance covers physical assets such as your building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters.

If your business offers professional services professional liability insurance can protect against claims of errors, omissions, or negligence in providing those services.

Crime insurance provides coverage for losses resulting from criminal activities such as theft, fraud, and employee dishonesty. It helps protect against financial losses arising from criminal actions within your business.

A business owners policy, or “BOP” is all the coverage most small businesses need in one easy package with two main areas: commercial property insurance and general liability insurance.

Cyber insurance, also called cyber security insurance, is designed to protect your business from the financial consequences of viruses, malware, security breaches, ransomware, or other cyber crimes.

Commercial umbrella, or “commercial excess” is a policy designed to cover a loss that exceeds the limits of your basic business liability limits offering up to $10 million of additional funds.

Builder’s risk, sometimes referred to as “course of construction”, is a form of commercial property insurance which covers a building while presently being constructed or heavily remodeled. It can cover just the structure, or also the materials on site waiting to be installed or transported to the job site.

Similar to commercial auto insurance, commercial trucking insurance provides liability, comprehensive, and collision coverage, as well as additional coverages specific to trucking use. It’s designed to protect your business from significant losses that could affect your company’s financial wellbeing.

A bond in layman’s terms is a way to secure a debt. It’s a way for you to put up a little cost up front that says “I am letting you borrow this money so as to your agreement to pay the face value of said bond if ever needed”.