Commercial Insurance

General Liability

Protects your firm from non-negligent acts that damage or injure others or their property. How it works: Under a general liability insurance policy, the insurer is obligated to pay the legal costs of a business in a covered liability claim or lawsuit. Covered liability claims include bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising). The insurance company also covers compensatory and general damages. Punitive damages aren't covered under general liability insurance policies because they're considered to be punishment for intentional acts. 

Business Owners Policy

Comprehensive package of coverages that includes liability, property to protect your business from unexpected loss. What it means: Insurance policies that combine protection from all major property and liability risks in one package. A Business Owner Policy or BOP is an insurance package that assembles the basic coverages required by a business owner in one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.

Commercial Auto

Protects your vehicles on the job. Various optional coverages as well as state-mandated liability coverage. Commercial auto insurance is one of the most important aspects of your business insurance program. If your business uses a vehicle, or many vehicles, you need commercial auto insurance and you will want to ask your business insurance professional some important questions. You will also want to provide your business insurance professional with a complete picture of your vehicle use.

Group Health Insurance

Health insurance protection for you, your employees, and their families. Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. The majority of Americans have group health insurance coverage through their employer or the employer of a family member.

Life Insurance

Protect your interests in the business by funding buy-sell agreements, key employee policies, and other needs. The purpose of life insurance is dependent on the age and financial status of the person purchasing the insurance. Most young people just starting out with a family purchase life insurance as a means of income replacement should something happen to them. Life insurance means that their family would have financial protection without an important income.

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