The most common types of business insurance are commercial auto, property, liability, workers compensation and cyber risk insurance. In general, commercial auto covers those automobiles you use in your business; property insurance covers damages to your business property (buildings and/or building contents); liability insurance covers damages to third parties; and workers compensation insurance covers on-the-job injuries to your employees. Cyber risk insurance provides coverage solutions to protect your business against various cyber risk exposures. Depending on your business, you may want additional specialized coverages.
Because all businesses are different, we recommend that you give us a call so we can discuss your specific needs. You can contact us at 800-922-8381 or fill out the form here: Contact Us.
Our Business Insurance Products:
- Commercial Automobile
- Commercial Property
- General Liability
- Workers' Compensation
- Professional Liability
- Employment Practices Liability
- Directors & Officers Liability
- Habitational Property Owners
- Environmental Impairment
- Garage Liability
- Builder's Risk Insurance
- Umbrella & Excess Liability
- Crime Insurance
- Bonds
- Cyber Risk Insurance
Do you understand all your business insurance needs? We do & we can help.
Business Frequently Asked Questions
Q. Can I let someone else drive my business vehicle?
A. Yes, the coverage on a business auto policy follows the vehicle. Any driver is covered as long as they have permission from you.
Q. What is an Umbrella Policy?
A. An umbrella policy serves two purposes. First, it provides excess liability over the scheduled underlying policies. Second, it fills some gaps in the underlying coverage. For more information,
click here.
Q. What is Fire Damage Liability?
A. Fire Damage Liability coverage is included within the General Liability policy at no charge. This coverage applies to fire damage for premises that are rented or temporarily occupied by the named insured.
Q. Do I need Professional Liability Insurance?
A. Professionals that operate their own businesses need professional liability insurance in addition to an in-home business or business owner's policy. This protects them against financial losses from lawsuits filed against them by their clients. Professionals are expected to have extensive technical knowledge or training in their particular area of expertise. They are also expected to perform the services for which they were hired, according to the standards of conduct in their profession. If they fail to use the degree of skill expected of them, they can be held responsible in a court of law for any harm they cause to another person or business. When liability is limited to acts of negligence, professional liability insurance may be called "Errors and Omissions" liability.