Business Insurance

Commercial property insurance protects the property your business owns and leases. This includes buildings, equipment, inventory and furniture. It also helps cover lost income if you can’t run your business because of covered property damage.

General Liability Insurance (GLI), sometimes called business liability insurance, helps protect your business from claims of bodily injury, property damage, personal and advertising injury, etc. These kinds of claims can occur during normal business operations. Without adequate General Liability coverage, your business could be devastated financially.

A Business Owner’s Policy (BOP) combines business property and business liability insurance into one policy. BOP insurance helps cover your business from claims resulting from things like fire, theft or other covered disasters. Business owner’s insurance also helps cover claims that could arise from your business’s operation. These include claims of bodily injury or property damage. A BOP will often provide coverages related to personal and advertising injury claims.

Workers’ compensation insurance provides your employees benefits in the event of a work-related injury or illness. These benefits can help cover their medical expenses, replace lost wages, provide disability benefits, and pay for funeral expenses. Workers’ comp also has benefits for you, as a small business owner. If your injured employee or their family sues your business, it can help cover your legal costs.

Commercial auto insurance helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses – even in the event of a fatal accident. Commercial auto insurance has higher liability limits than a personal auto policy, which is crucial to protect your business in the event of an accident.

Various aspects of your farm can be impacted by unexpected issues. Farm insurance is designed to protect your business from possible devastating consequences. This can help to cover equipment, as well as provide many other potential protections. Crop insurance, livestock insurance, and many other factors can help to protect your farm.

Commercial life insurance policies are often offered as group policies to provide these benefits for employees. These policies can go a long way toward ensuring that employees are aware that you care about them and their loved ones. Many employees feel far more satisfied with their jobs when they feel like their employers truly appreciate and care for them.

Inland marine insurance normally covers property that is portable or transportable in nature. When you are working off-site, or traveling between sites, your commercial owners’ policy often doesn’t protect your tools and equipment, etc., which can put your company at risk. Inland marine insurance is necessary to cover most business property including contractors’ tools and equipment, as well as the property of others.

A contractor’s liability insurance basically covers all third-party claims. This also includes lawsuits and complaints filed by clients and other parties whenever damages and accidents happen on the job-site. The insurance will protect against claims caused by you or employees under your direct supervision. Contractor’s liability insurance typically includes coverage for the following: Bodily injury and property damage, products and completed operations, personal and advertising injury.