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.

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.

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.

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.

Workers’ compensation insurance

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

Commercial auto insurance

Commercial property insurance

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

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

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.

Business interruption insurance

Other Insurance We Offer

• Garagekeepers liability

• Bonding

• Pollution

• Commercial umbrella

• Business crime

• Business continuation insurance

• Inland marine

• Cyber Liability Insurance

• Events

• Builders Risk

• Garage Liability Insurance

• Commercial Umbrella & Excess Liability Insurance

• Vacant Building