Commercial Insurance can be purchased for a small business or a large business and usually includes liability coverage and business property coverage.
For a smaller business, you may purchase a package known as a Business Owners Policy. This allows you to bundle the following three coverages in order to save money:
General liability - covers in case of property damage, bodily injury and personal claims made against your business.
Business property - insurance for the building and contents owned by the business.
Business income - covers loss of income resulting from a covered loss that disrupts the operation of the business.
Additional coverages that are available through a commercial policy are:
Professional liability - provides coverage in case your business causes harm to others by things that you or your employees do or fail to do in your business operations.
Worker's compensation - covers costs to employees if they suffer a work-related injury or illness.
Commercial umbrella - extends the limits of your liability to cover you if a claim is made against your business and it exceeds the limits of your primary liability coverage.
Commercial Auto - coverage for your commercial autos that are used for your business.
Surety Bonds - written agreement to guarantee compliance that involves 3 parties, the principal, the obligee and the surety. We offer many different types of bonds.
Call us and we will be happy to explain the coverages that are available for your business!
Call Us: 217-854-8616