Commercial Insurance

Liability

When owning and operating a small business, you can be held liable under an array of situations, involving the business itself or your employees. To ensure you’re fully embracing all financial safety precautions, take each liability policy option into consideration.

General- This type of policy will ensure that all basic business exposures are fully covered. You may also be protected against third party claims involving bodily injury or property damage.

Professional- If the business is potentially responsible for loss and damage against a client, then this will help to protect your operations.

Cyber- More modernly, businesses are more likely to suffer from various cyber-attacks. To prevent this from happening, make sure to acquire coverage for this type of attack or data breach.

Workers Compensation

Protect those who help build your empire. Provide financial protection to your employees in case of an on-the-job injury. If an employee is injured or unable to perform the necessary functions for successful job completion, they are entitled to worker’s compensation. This coverage will also cover any services needed to help the employee recover, rehab, and return to work in a healthy and safe condition.

Business Owner Policy (BOP)

For those seeking maximum coverage, consider a BIA business owner policy. This option will package multiple policies into one by incorporating general liability, property, and business pause all into one policy. This will help to consolidate and manage your various coverages, so you can clearly understand the commercial insurance benefits you are receiving.