Commercial Insurance

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General liability coverage is the cornerstone of business insurance. It protects your business from claims and lawsuits arising from injury to others, damage to their property, infringement on copyrights, and lawsuits for slander or libel. Additionally, it shows your clients and customers that you run a professional business by carrying adequate insurance to cover losses caused to other parties if the unexpected happens. 

Premises rented coverage on your general liability/business owner's policy insures the building you lease for your business if you or your staff cause damage to it. Things like fire, busted pipes, or even your machinery damaging the building by accident. 

Business personal property coverage protects moveable assets used in your business -- things like your office furniture, decorations, computers, and more. It insures them against theft, fire, damage from storms, water damage and more.

Commercial property coverage insures the buildings your business owns, its permanently affixed equipment, and equipment used to maintain the property. Depending on your needs, it can insure against a broad range of losses -- theft, fire, storms, water damage, water backup, and more.

If your business uses equipment and machinery, you may want to insure it with an inland marine policy. This type of policy insures your valuable equipment from damage whether it's on your property, in transit, or on a job site.

Your business' inventory is valuable to your business continuation. Your inventory can be insured under your commercial property policy against things like theft, fire, storm, and water damage.

With growing cyber threats, many businesses are pursuing cyber coverage to insure against hacks to their IT systems, banking and more. An appropriate cyber policy can help offset legal costs, losses to the business, and losses to your clients that arise from a cyber threat.

Commercial umbrella coverage adds additional liability limits to your general liability policy limits. Usually purchased in increments of $1,000,000, it protects your business from very large, unforeseen liability claims caused by your or your employees to others. 

Directors and Officers insurance, often called "D&O" insures the personal assets of senior leaders of a business against personal lawsuit arising from claims of injury or wrongdoing against the business. It covers the legal costs and settlements related to personal lawsuits, helping business leaders serve without fear of personal loss.

Errors and omissions insurance protects your business from claims made by clients for mistakes or failures in your services rendered. It covers the legal costs and damages related to allegations of negligence, errors and omissions for professional services businesses.

For more info on insuring your business' vehicles, visit our commercial auto page.

For more info on worker's compensation insurance, visit our worker's comp page.