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.  

 

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.

Construction Site Inspector making report

General Liability

Commercial General Liability insurance coverage protects you, your employees and your business from claims made against you involving bodily injury or property injury, up to the limits of your policy. This coverage will protect you from the expense of legal fees, judgments awarded by courts and out-of-court settlements,
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Commercial Property

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.
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Commercial Auto

Auto insurance is the type of insurance purchased for cars, trucks, motorcycles and other vehicles usually used for protection against traffic accidents. Auto insurance, in particular, is mandatory by law in the United States. There are several categories of vehicle insurance, including the following: Automobile, Motorcycle and Commercial Vehicles.
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Workers Compensation

Workers Compensation is insurance that provides wages from lost work time and medical benefits to employees who are injured in the course of employment. This insurance is in exchange of the employee's right to sue their employer for negligence. In the United States some form of workers compensation is mandatory, except for in the state of Texas as of 2018. Businesses that participate are protected from being sued by their employees for negligence. Businesses in Texas may purchase insurance voluntarily.
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Umbrella

Umbrella insurance gives you extra coverage to protect against bodily injury and property damage. It is liability insurance that is in excess or above the limits of your other policies and takes over when your other coverage stops. It can also potentially be primary insurance for losses that are not covered by the other policies. Umbrella insurance increases the liability limit of the other policies your company carries.
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