The following are some general types of insurance coverage every business owner should consider.

• Commercial General Liability coverage protects your business if someone makes a claim or files a lawsuit against it for bodily injury or property damage. Some examples include injuries, slips, or falls on your property; injury or damage caused by your work, products, or employees’ activities; libel, slander, and copyright infringement to name a few.
• Commercial Property coverage protects your company’s physical assets like buildings you own or rent, office equipment, furniture, and inventory, from unexpected events, including fire, wind, theft, and vandalism.
• Commercial Auto coverage helps protect vehicles owned by and used in your business like cars, trucks, and vans, against liability for damages caused by accidents and may provide some coverage for occupants injured in those accidents.
• Commercial Umbrella coverage supplements some existing policy limits. If your underlying coverage of these applicable policy limits reaches its limits, the commercial umbrella steps in to cover additional up to its own limits. For details about what existing policies are eligible for Umbrella coverage, reach out to us.
• Workers’ Compensation coverage protects you, your business, and your employees after a work-related injury. Benefits of this policy for the business include may included limited liability if you are sued by an injured employee and safety resources to reduce workplace accidents. Benefits for employees may include employee medical expense benefits and lost wage benefits.