Commercial Insurance Explained

When choosing the right commercial insurance for your business, navigating through endless information can be time consuming and time is money when you are distracted from your core business. There are many considerations at play when making the right insurance coverage decisions and each business is unique. What might work for one business, will not necessary be right for others.

The state your business is located, the number of employees you have and the revenue your company earns are all factors that influence the type of insurance your business needs. That’s where we come in. We do the work for you and we take out the confusion. One of our live agents will guide you through the process so you can be sure you have all the protection your business needs.

General Liability Insurance

Most people have heard of a general liability policy because it is the most standard form of insurance. It protects your business from third party claims involving property damage and bodily harm. It also covers judgments, settlements and the cost of your legal defense.
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Business Owners Policy (BOP)

Your business may be eligible for a business insurance policy. This type of policy can be more cost-effective for businesses because it offers general liability and property damage coverage under one package at a lower cost than if you were to purchase the policies separately.
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Business Property Insurance

Whether you lease or own your workspace or you work from home, this insurance will protect your company’s physical assets should they be damaged or destroyed by such events as a fire, storm or a broken water pipe. All contents inside would be covered under business property insurance.
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Workers Compensation Insurance

Accidents can never be 100 percent prevented. If any of your employees suffer from injury or illness while on the job, a workers compensation policy will cover their treatment costs and provide compensation for lost wages while they recuperate.
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Professional Liability Insurance

Professional liability insurance is also known as errors and omissions. If a client of your business accuses you of professional negligence or failure to perform professional duties, this policy will pay to defend and investigate the claim. It also covers any damages awarded against you.
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Commercial Auto Insurance

If you or your employees drive company vehicles regularly for work purposes, this policy will protect you in the event of an auto accident, theft or vandalism. Should your employees use their own cars for business, this policy can supplement their personal insurance in the event of an accident.
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