Commercial Insurance

Commercial Insurance coverage protects your business, it’s assets, property and income from losses due to unforeseen events. Events covered occur during the normal course of business.

The most common types of business insurance include: 

• General Liability
• Commercial Property
• Commercial Auto
• Workers Compensation
• Umbrella Insurance/Excess Liability 

Your business may only need a few of the types listed above. There is no “one-size-fits-all” policy for businesses. Insurance requirements vary considerably depending on the type of industry you are in. 

For example, a General Contractor makes a living by using tools and expensive equipment. They would need to consider equipment damage coverage under a Commercial Property Policy because some items may not be easily or quickly replaced. They might also need General Liability Policy to protect the business against claims from a client or third party that gets injured on the job site.

A trucking company that hauls products across the United States will need a Business Auto Policy with coverage that protects them and other drivers from accidents where the truck driver is at fault. They may also need Cargo coverage to cover the products that are being hauled. 

A Business Consultant and a General Contractor both need a General Liability Policy. However, their policies will differ because a Business Consultant is more vulnerable to errors and omissions that might harm a client’s business, whereas a General Contractor is more prone to the risk of personal injury.

We understand that running a business is no small feat and the responsibilities you take on are substantial. We want to help take a load off your shoulders by making the insurance process as simple as possible for you, while ensuring that you obtain the correct coverage to protect your business at the best value.