Business Insurance
Business Insurance Basics
Business insurance, also known as commercial insurance, provides essential protection to companies against unforeseen events and losses that could impact their operations and finances. There are several different kinds of commercial insurance that focus on different areas of risk. Not all types of commercial coverage are needed for every business, but common coverage includes general liability (protection from claims by customers or other third parties), property damage (including coverage for buildings, equipment, and inventory), and worker’s compensation (protection for employees that are made ill or hurt in the course of their work).
Understanding the various options and how they apply to your business can get confusing quickly. We can help keep the process simple by explaining the coverage, generating quotes from multiple insurance companies, and offering our advice. Contact us to get started.
Business Insurance Coverage
General Liability
Covers a variety of damages your business causes to another party, including bodily injury, property damage, personal and advertising injury, and more.
Commercial Property
Covers business buildings, office furniture, equipment, inventory, and other business property.
Commercial Auto
Covers business vehicles and employees while driving for work.
Workers’ Compensation
Covers medical expenses and lost wages for an employee that is hurt or made sick in the course of their work.
Professional Liability
Covers claims of negligence, errors, or omissions made in the course of your work.
Commercial Umbrella
Covers liability claims that exceed the limit of coverage on underlying policies.
Bonds
Provides payment in the event a specified obligation is not met, such as a breach of contract.
Cannabis
Covers living plants, harvested plants, and finished products.
And Others
While the above are common, there are many additional coverage options available.
Businesses We Cover
Business Insurance FAQ
Business insurance can cover a variety of risks and is often made up of several different policies. The coverage needed depends on your industry, size, and operations. There are a few types of coverage that are broadly needed, like general liability, and workers’ comp for any organization with employees.
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