General Liability Insurance
General Liability Insurance is essential for any business. It provides coverage for bodily injury, property damage, and personal injury claims made against your business. This insurance helps protect you from lawsuits and other financial liabilities that can result from accidents or other incidents involving your business operations.
Commercial Property Insurance
Commercial Property Insurance protects your company’s physical assets from risks such as fire, theft, vandalism, and natural disasters. This includes buildings, equipment, inventory, and furniture. It ensures that your business can recover quickly from unexpected events that might otherwise cause significant financial loss.
Workers' Compensation Insurance
Workers' Compensation Insurance is a legal requirement in most states. It provides medical benefits and wage replacement to employees who are injured or become ill due to their job. This insurance also protects your business from lawsuits filed by injured employees.
Professional Liability Insurance (Errors & Omissions)
Professional Liability Insurance, also known as Errors and Omissions Insurance, is crucial for businesses that provide professional services. It covers legal costs and damages arising from claims of negligence, mistakes, or failure to deliver services as promised.
Commercial Auto Insurance
Commercial Auto Insurance covers vehicles used for business purposes. This includes company cars, trucks, vans, and other vehicles. It provides coverage for property damage, bodily injury, and other liabilities that can arise from accidents involving business vehicles.
Business Interruption Insurance
Business Interruption Insurance helps your business recover from a disaster or unforeseen event that disrupts normal operations. It covers lost income and operating expenses, such as rent and employee wages, during the period of interruption.
Cyber Liability Insurance
Cyber Liability Insurance protects your business against data breaches and other cyber threats. It covers costs related to data recovery, legal fees, and public relations efforts needed to restore your business’s reputation after a cyberattack.
Product Liability Insurance
Product Liability Insurance is essential for businesses that manufacture or sell products. It protects against claims related to injuries or damages caused by your products. This insurance ensures that your business is covered in the event of a lawsuit resulting from product defects or malfunctions.
Commercial Umbrella Insurance
Commercial Umbrella Insurance provides additional liability coverage beyond the limits of your primary insurance policies. It acts as a safety net, protecting your business from large claims and lawsuits that exceed your existing coverage limits.
Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance (EPLI) protects your business against claims made by employees alleging discrimination, harassment, wrongful termination, and other employment-related issues. This insurance helps cover legal defense costs and settlements.
Directors and Officers (D&O) Insurance
Directors and Officers (D&O) Insurance provides liability coverage for the directors and officers of a company. It protects them from personal losses if they are sued for alleged wrongful acts while managing the company. This insurance also covers legal fees and other costs associated with defending against such claims.
Inland Marine Insurance
Inland Marine Insurance covers goods, materials, and equipment while they are in transit or stored at a location other than your primary business site. It provides protection for high-value items that are frequently moved from one location to another.
Key Person Insurance
Key Person Insurance provides financial protection to your business in the event of the death or disability of a key employee whose loss would significantly impact the company's operations. This insurance helps cover the costs of finding and training a replacement, as well as potential revenue loss.
Surety Bonds
Surety Bonds guarantee the performance of contractual obligations. They are often required in industries such as construction and contracting. Surety bonds protect against financial losses if your business fails to meet the terms of a contract.
Equipment Breakdown Insurance
Equipment Breakdown Insurance covers the cost of repairing or replacing damaged equipment due to mechanical failure, electrical breakdown, or other causes. It ensures that your business can continue operations without significant financial disruption.
