As a business owner, you have a lot to protect. Without the proper insurance, you risk losing everything you’ve worked so hard to build.

What does business insurance cover?

Business insurance provides a safety net for costly damages or legal claims that may be brought against you if someone is hurt, an employee makes a mistake, or disaster strikes. 

No risk is too large or small when it comes to protecting your business. We’ll help you find a solution for your unique needs.

Types of Business Insurance

Some business insurance is required by law. Other times a business associate, such as a lender or landlord, may require additional coverage. Obtaining the right type and amount of insurance will help you avoid significant coverage gaps.

General liability insurance protects your business against financial losses that can come from incidents involving customers, clients, or other non-employees. If someone makes a property damage claim or bodily injury claim against your business, you’ll be covered.

Professional liability insurance (AKA errors and omissions) protects your business if a mistake is made and your client sues you for unsatisfactory work. Your insurance will cover legal costs up to the limits of your policy.

Workers’ compensation insurance covers your employees’ medical needs in the event of an accident or illness. It also protects your business if lawsuits are brought against you by a current or former employee.

Commercial auto insurance protects your business from losses due to injuries to other drivers, passengers, and pedestrians for which you/your employees are liable.

Commercial property insurance will reimburse you for necessary repairs or the replacement of damaged physical assets in the event of a disaster.

Business interruption insurance will replace your business’s lost income resulting from an event (like a fire or natural disaster) that interrupts business operations.

A business owner’s policy (BOP) is a package that provides various types of essential protections for small businesses. A BOP offers coverage for business property, business interruption, and business liability. A BOP policy can be customized to fit your needs.

Other Insurance We Offer

• Garagekeepers liability
• Bonding
• Pollution
• Commercial umbrella
• Business crime
• Business continuation insurance
• Inland marine

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