Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
Providing Business Insurance to Grafton, Westboro, Shrewsbury, Whitinsville, Southborough, Northbridge, Uxbridge, and Millbury
There are various ways to build the perfect insurance package for your business. Business insurance can help your business in a variety of ways, such as replacing lost wages and protecting your company from property damage, legal liabilities, and employee-related risks, to name a few. The types of insurance your business needs can be determined by discussing your unique needs with your agent at Gaudette Insurance Agency.
What Is Business Insurance?
Several types of insurance policies can help make up your full business insurance coverage. Some commonly chosen policies include:
General liability insurance – Can help cover claims that your business caused harm to a client or customer due to one of your products, for example. This coverage can also assist in paying damages in which your business can be found liable, as well as associated legal fees.
Commercial auto insurance – Can provide coverage for vehicles owned by your business. It can help pay fees for a third party’s bodily injury and property damage.
Workers’ compensation insurance – Helps cover fees associated with work-related illness or injury, including legal fees associated with claims filed against your business.
Professional liability insurance–Helps cover situations in which your business makes recommendations,which leads to being sued by your customers or clients. The policy can also help pay for legal defense costs.
Employment practices liability insurance (EPLI)–Helps cover damages that an employer is legally liable for, such as violating an employee’s legal rights. This policy can also help cover legal defense costs.
The amount of coverage you need will be unique to your business. Be sure to discuss what’s appropriate for your business with your agent before getting started.
How Much Does Business Insurance Cost?
The cost of your business insurance will vary based on factors such as location, amount of coverage, industry, and so on. To determine an accurate quote, discuss your coverage options with your agent at Gaudette Insurance Agency.
Learn More About Business Insurance
At Gaudette Insurance Agency, we know how important it is to insure your business properly. Discuss your business insurance coverage options with an agent to get started today.
Frequently Asked Questions
Can I let someone else drive my business vehicle?
Yes, the coverage on a business auto policy follows the vehicle. Any driver is covered as long as they have permission from you.
What is an Umbrella Policy?
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.
What is Fire Damage Liability?
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.
Do I need Professional Liability Insurance?
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.