Commercial Insurance
High Coverage Risk Management Solutions for Your Business Endeavors
Commercial Insurance is a term used to describe various
business coverages that are packaged together to protect your
company, employees, assets, and owners.
Commercial Insurance is a term used to describe various business coverages that are packaged together to protect your company, employees, assets, and owners.
Your Commercial Risk Profile Spelled Out in Black & White
While no two businesses are the same, there is something
every business has in common – RISK. We encourage you to
analyze your potential exposure in these 4 areas:
Your Commercial Risk Profile Spelled Out in Black & White
While no two businesses are the same, there is something every business has in common – RISK. We encourage you to analyze your potential exposure in these 4 areas:
Liability
Do you engage with other people
as part of business?
If so, you are exposed to legal liability
and will need to address the risk of harm to
others, even if it’s an accident.
Property
Does your business have assets – an office,
equipment, inventory, just to name a few?
If so, you will need to
address the risk of damage or
loss to business property.
Commercial Auto
Do you or an employee drive a
vehicle as part of your business?
If so, you are exposed
to liabilities associated with
damage to/by your vehicle(s).
Workers Compensation
Do you employ another individual?
If so, you will need to offer your
employee
wage replacement
and medical benefits in
case of a work-related injury or illness.
Liability
Do you engage with other people
as part of business?
If so, you are exposed to legal liability and will need to address the risk of harm to others, even if it’s an accident.
Property
Does your business have assets – an office, equipment, inventory, just to name a few?
If so, you will need to address the risk of damage or loss to business property.
Commercial Auto
Do you or an employee drive a vehicle as part of your business?
If so, you are exposed to liabilities associated with damage to/by your vehicle(s).
Workers Compensation
Do you employ another individual?
If so, you will need to offer your employee wage replacement and medical benefits in case of a work-related injury or illness.
Discover Your Risks Based on Your Industry
Find Your ProfessionCommercial Insurance Explained
Meet Eddy, the owner of “Eddy’s Bakery.”
He's going to help us highlight common coverages.
While every case is unique and should be evaluated
by a trustworthy expert, here are a few coverages
that are frequently needed by businesses
and business owners:
Illustrated by Victoria
Commercial Insurance Explained
Meet Eddy, the owner of “Eddy’s Bakery.” He is going to help us highlight common coverages. While every case is unique and should be evaluated by a trustworthy expert, here are a few coverages that are frequently needed by businesses and business owners:
Illustrated by Victoria
Top Commercial Liability Coverages
General Liability
Covers medical and/or legalexpenses if someone gets injured at your place of business.
Professional Liability
Commonly known as Errors and Omissions, this covers your professional advice and services in case of mistakes.Product Liability
Covers the physical product you are selling in case it is defectiveand leads to harm.
Cyber Liability
Covers the costs associated with a security breach or compromised confidential information.Top Commercial Property Coverages
Inland Marine
Covers specialized property and mobile equipment. These are often things that are difficult to replace.Business Owners Policy
A great way to cover physical property damage is a BOP. This combines general liability and property Insuranceinto a single policy.
Income Loss
Covers the loss of income during a business shut down related to a damaging event.Crime
One way to protect company assets is a Commercial Crime Policy. This covers theft, forgery, employee dishonesty, and others.Top Commercial Auto Coverages
Commercial Auto Liability
Covers bodily injury and vehicle damage to others in case of an accident.Rented & Non-Owned
Liability coverage while driving a non-business vehicle on behalf of work.