Commercial Insurance
General Liability
General liability insurance is a type of business insurance that helps protect a company from common risks. It covers things like:
- Bodily injury: If someone gets hurt on your property (like slipping and falling).
- Property damage: If you or your employees accidentally damage someone else’s property.
- Legal costs: If someone sues your business for these types of issues.
It’s important because it helps pay for medical bills, repairs, and legal fees, so your business doesn’t have to cover everything out of pocket.
Commercial Property
Commercial property insurance is a type of insurance that helps protect a business’s physical assets. This includes buildings, equipment, inventory, furniture, and tools. If things like fire, theft, vandalism, or storms damage your property, this insurance can help cover the repair or replacement costs. It's important for businesses to have so they don’t lose everything if something unexpected happens.
Commercial Auto
Commercial auto insurance is a type of coverage that protects vehicles used for business purposes. It helps pay for:
- Accidents involving company cars, trucks, or vans
- Damage to vehicles or other property
- Medical bills if someone gets hurt
- Liability if your business is at fault
This insurance is important for businesses that drive for work—like making deliveries, transporting tools, or visiting clients.
Wokers' Comp
Workers' compensation (or workers' comp) is insurance that helps employees if they get hurt or sick because of their job. If an employee is injured while working, Workers' Comp pays for:
- Medical bills
- Lost wages if they can't work
- Rehabilitation if needed to recover
- Benefits to family if the worker dies on the job.
In return, the employee usually can't sue the employer. It protects both the employee (by covering costs) and the employer (from lawsuits).
Professional Liability
Professional liability insurance, also known as errors and omissions (E&O) insurance, protects professionals (like doctors, lawyers, consultants, and others) from being sued for mistakes they make while doing their job. For example, if a consultant gives advice that causes a client to lose money, the client might sue. Professional liability insurance helps cover the legal costs and any settlement. In short, it protects you if a client claims you made a mistake, were negligent, or didn’t deliver what you promised.
Other
Other coverage offerings include: Cyber Security, Builder's Risk, Vacant Building, Umbrella and Bonds.