Business Insurance

Get a Free Risk Analysis

Types of Business Insurance Policies and Options

  • General Liability
  • Workers Compensation
  • Commercial Auto
  • Commercial Umbrella
  • Business Income
  • Spoilage
  • Utility Interruption
  • Professional Liability
  • Directors and Officers
  • Employment Practices
  • Employee Dishonesty
  • Valuable Papers
  • Garage Liability
  • Mechanical Breakdown
  • Equipment Floater
  • Inland Marine
  • Ocean Marine
  • Builders Risk
  • Jewelers Block
  • Robbery

What Is Business Insurance?

Business insurance protects companies from financial losses caused by risks like theft, fire, injuries and lawsuits. Also known as commercial insurance, it can even cover lost income, spoilage, and damaged vehicles. Working through partner agencies, insurers, and wholesalers our mission is to bring you the protection you need at the best rate possible.

Do You Need Business Insurance?

Businesses need coverage for many reasons. If you have employees, Workers Compensation Insurance is required by the State. If you rent commercial space, your landlord usually requires General Liability. If your business is named in a lawsuit, it could force you to bankruptcy. If your building is damaged by fire or smoke and water, the business may not survive the loss of property and income.

What Business Insurance Do I Need?

Most businesses need at least General Liability and Business Income to help protect their company’s property, income and assets. For small businesses, a Business Owner’s Policy can provide all three coverages in a single policy.
  • Commercial property insurance – Most businesses own physical property: tools, equipment, computers, inventory and even accounts receivable. Commercial property insurance can help cover the loss of these assets if they are damaged or destroyed by a covered event.
  • Business income insurance – If a business must suspend operations due to a covered loss like fire or theft, business income insurance helps replace lost income so the business can continue to meet obligations like payroll and rent.
  • General liability insurance – No matter how cautious business owners are, accidents happen. For example, a customer may accidentally get hurt in a company’s store, or employees may accidentally damage customer property while working on-site. Liability insurance can help protect businesses from the risk of liability claims such as bodily injury, property damage or even advertising mistakes.
Not all industries and businesses are alike. The needs of a hot dog cart are very different from a dental office. Coverage can be customized to fit your situation. Your insurance can be amended to keep up with changes to your business. Did you purchase equipment or increase revenue? Your insurer doesn’t know about it so maybe we should talk.

Share by: