Business Insurance

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Different types of business insurance products

Commercial Auto Insurance

If you have one, or more business vehicles, such as delivery trucks or other types of commercial vehicles, commercial auto insurance covers you for accidents, injuries, and other incidents that can put those investments at risk.

Commercial Property Insurance

While business liability policies should cover situations like robbery, fire, or vandalism, it may not be enough to cover extensive damage.  Commercial property insurance is a specific type of business insurance giving the building and the contents inside extended coverage.

Cyber Liability Insurance

Cyber insurance provides specific coverages as it relates to cyber hacks or data breaches where private customer information like Social Security numbers, credit card numbers, or other sensitive data is exposed.  We live in an electronic world and unfortunately, there is a growing need for this type of protection and it is not typically included in your General Liability policy.

General Liability Insurance

General Liability is basic commercial coverage that every company must-have.  It protects you, your business, and your employees from claims involving bodily injury or property damage as you operate on a daily basis.  These policies generally cover the expense of legal fees, settlements, litigation that results from an accident or loss.

Commercial Umbrella Insurance

This is another specific coverage that gives your business an additional level of protection in the event of a catastrophic event like a customer tripping over an extension cord at your retail store and hitting their head on the counter causing a traumatic brain injury. Umbrella insurance would kick in after your liability limits were reached instead of you having to go into your own pocket.

Professional Liability Insurance

If your business provides non-tangible type services like an Attorney or IT Professional you should connect with us to make sure you properly covered by Professional Liability Insurance. As a “professional” you’re expected to have a certain level of training in your industry or field. If a mistake was made by your company or agreed deliverables were not met that resulted in loss for a client they could bring legal action against you. This type of insurance will cover cost you may incur like attorney fees to defend yourself against these types of situations.

Workers Compensation Insurance

As safe as you may operate, accidents happen on the job. If you have one or more employees working for you, various States requires you to carry an insurance policy to safeguard you against lost wages and medical costs resulting from an employee work-related injury or illness. Workers comp insurance is priced based on risk. So, a company that operates heavy machinery will likely pay a higher premium vs. a company where people sit at a desk all day.

Surety Bonds: Sure;

Surety bonds are financial guarantees that businesses or individuals provide to ensure they meet their obligations. One type of surety bond is a License and Permit Bond, which is required by government agencies to ensure businesses follow local laws and regulations. For example, a contractor might need a license bond to legally operate. These bonds protect the party requiring the bond (the obligee), ensure businesses comply with rules, and build trust in industries like construction and legal services. Understanding how surety bonds work and their costs helps businesses meet regulatory requirements and reduce risks.