Property and General Liability
General business liability insurance covers a person or business for any bodily injury, personal injury caused to someone, or property damage caused by them, their business operations or products that occurs on the business premise. Insurance includes the investigation of the accusation and defense of the allegation.
Property business liability insurance provides coverage for your building and business property as well as the tools and equipment you use. Some protection coverage for your customers' items at your place of business is also included in this insurance.
Additional Business Coverage
Business auto provides coverage on business owned or rented and employee owned vehicles. This insurance also covers the vehicles in a business’ care such as those in a repair or body shop.
Crime insurance protects against loss of money, securities or other assets resulting from acts, such as employee theft, forgery or impersonation fraud.
Cyber liability, as known as data compromise, has become the fastest growing insurance policy in number of claims. Most insurance companies offer this coverage for first-party coverage, yourself, and third-party coverage, others.
Disability insurance is coverage available to protect business owners and their employees.
Directors and Officers
The directors and officer’s insurance policies are for all companies, nonprofits and for profit, that have a board of directors, officers or shareholders.
Employment Practices Liability (EPLI)
Employment practices liability provides coverage for the employer against allegations of wrongful termination, discrimination and harassment.
Inland marine business coverage provides protection for tools and equipment that is not licensed, such as a forklift or skid loader.
Key Employee Life Insurance
Key employee life insurance policies can cover the cost of recruiting, hiring and training a replacement employee. This policy can also financially offset the loss of business due to your best employee’s death.
Workers compensation provides coverage for your employees in the case of injury on the job by providing reimbursement of medical bills and lost wages to the employee. State law requires employers to carry this insurance.