Commercial Insurance Protect your Business

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Designed for vehicles used for business purposes, including cars, vans, trucks, and fleets.

What It Covers:

• Liability for bodily injury and property damage

• Collision and comprehensive coverage

• Medical payments

• Uninsured / Underinsured Motorist (UM/UIM)

Example:

A landscaping company truck hits another vehicle while traveling to a job site. Commercial auto insurance covers the damages, injuries, and vehicle repairs.

Protects your business from third-party claims of injury, property damage, or advertising injury.

What It Covers:

• Slip-and-fall accidents

• Property damage caused to others

• Legal defense and settlement costs

Example:

A customer slips on a wet floor in your store and gets injured. General liability covers medical expenses and legal costs..

A bundled policy that combines General Liability + Commercial Property coverage at a lower cost.

What It Covers:

• Building and business property

• Equipment, inventory, and furniture

• Liability protection

• Business interruption coverage

Example:

A fire damages a retail shop and inventory. A BOP covers repairs, replaces inventory, and helps cover lost income during closure.

Required in most states if you have employees. It protects both the employer and employees.

What It Covers:

• Medical expenses for work-related injuries

• Lost wages

• Disability benefits

• Employer liability protection

Example:

An employee falls from a ladder while working and breaks an arm. Workers’ compensation covers medical bills and lost wages.

Protects businesses that provide professional services or advice.

What It Covers:

• Claims of negligence

• Errors or omissions

• Failure to deliver promised services

Example:

An IT consultant makes a configuration error that causes a client’s system failure. Professional liability covers legal defense and damages.

Provides extra liability protection above the limits of other policies.

What It Covers:

• Excess liability for auto, general liability, and employer liability

Example:

A serious accident exceeds your commercial auto policy limits. Umbrella insurance covers the additional costs

Covers physical assets owned or leased by the business.

What It Covers:

• Buildings

• Equipment and tools

• Inventory

• Furniture and signage

Example:

A storm damages your office roof and equipment. Commercial property insurance pays for repairs and replacements.