Business Insurance

Business Owners Policy (BOP) is a comprehensive insurance package designed for small to medium-sized businesses. It combines general liability and property insurance to protect against various risks. BOP covers damages to business property, legal claims, and loss of income due to covered events. This policy offers an affordable and convenient solution for business owners seeking essential coverage.

Commercial General Liability (CGL) insurance is essential for businesses to protect against claims of bodily injury, property damage, and personal or advertising injury. It covers legal fees, medical expenses, and damages if your business is found liable. CGL policies also provide coverage for incidents that occur on your business premises or as a result of your business operations. 

Workers Compensation Insurance provides coverage for employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs, ensuring that employees receive the necessary care and support. This insurance also protects businesses from potential lawsuits related to workplace injuries. By offering Workers Compensation Insurance, businesses demonstrate their commitment to employee safety and well-being.

Employment Practices Liability Insurance (EPLI) provides coverage for businesses against claims made by employees regarding wrongful acts in the workplace. This includes allegations of discrimination, harassment, wrongful termination, and other employment-related issues. EPLI covers legal defense costs, settlements, and judgments, helping businesses manage the financial risks associated with employment practices. 

Commercial Property Insurance provides coverage for physical assets owned by your business, such as buildings, equipment, and inventory. It protects against losses due to events like fire, theft, vandalism, and natural disasters. This insurance helps businesses recover and rebuild by covering repair or replacement costs. By having Commercial Property Insurance, businesses can ensure the continuity of their operations in the face of unexpected events.

Commercial Auto Insurance provides coverage for vehicles used in your business operations. It protects against damages and liabilities arising from accidents involving company-owned vehicles. This insurance covers medical expenses, property damage, and legal fees, ensuring that your business is safeguarded from financial losses due to vehicle-related incidents. 

Professional Liability Insurance, also known as Errors and Omissions (E&O) Insurance, provides coverage for businesses and professionals against claims of negligence, errors, or omissions in the services they provide. It covers legal defense costs, settlements, and judgments, ensuring that professionals are protected from financial losses due to lawsuits. This insurance is essential for businesses that offer professional services, as it helps maintain their reputation and financial stability. 

Cyber Liability Insurance provides coverage for businesses against cyber threats and data breaches. It helps cover the costs associated with data recovery, legal fees, and notification expenses. This insurance also protects against financial losses due to cyber extortion and business interruption. By having Cyber Liability Insurance, businesses can safeguard their digital assets and ensure continuity in the face of cyber incidents.

Commercial Bonds are a type of surety bond that businesses may be required to obtain by government agencies or private entities. These bonds guarantee that the business will comply with regulations, fulfill contractual obligations, and meet financial commitments. They provide protection to clients and stakeholders by ensuring that the business will perform its duties as agreed.