Commercial/Business Insurance

• Property Insurance: Protects business property, including buildings, inventory, equipment, and furnishings, against perils such as fire, theft, vandalism, and natural disasters.
• General Liability Insurance: Provides coverage for bodily injury, property damage, and personal injury claims that may arise during the course of business operations. It helps protect businesses from legal expenses and judgments.
• Commercial Auto Insurance: Covers vehicles used for business purposes, providing protection against accidents, property damage, and liability claims involving company-owned vehicles.
• Workers' Compensation Insurance: Required in many jurisdictions, workers' compensation insurance provides benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, rehabilitation costs, and a portion of lost wages.
• Professional Liability (Errors and Omissions) Insurance: Protects businesses and professionals against claims of negligence, errors, or omissions in the performance of professional services.
• Cyber Liability Insurance: Addresses the risks associated with data breaches, cyberattacks, and the loss of sensitive information. It provides coverage for legal expenses, notification costs, and potential liability arising from a data breach.
• Business Interruption Insurance: Helps businesses recover from financial losses resulting from a covered event (such as a fire or natural disaster) that interrupts normal business operations. It may cover lost income, ongoing expenses, and additional costs incurred during the interruption.
• Employment Practices Liability Insurance (EPLI): Protects businesses against claims related to employment practices, such as discrimination, harassment, wrongful termination, or other employment-related issues.
• Product Liability Insurance: Provides protection for businesses that manufacture, distribute, or sell products against claims related to product defects, design flaws, or failure to warn.
• Commercial Umbrella Insurance: Offers additional liability coverage beyond the limits of primary insurance policies, providing an extra layer of protection against large and unexpected claims.