Types of Commercial Insurance

You might be familiar with auto and home insurance, but as a business owner there is a whole world of commercial insurance out there to protect your business and you as an owner against damages.

Business Liability Insurance

Business liability insurance, also known as commercial general liability – it can protect you in case you’re sued by a third party. This policy can help cover costs of legal fees and financial damages if your business is sued.

Workers’ Compensation Insurance

This coverage can pay for any medical care and replace partial wages for an employee who is injured while working

Property Insurance

Building and Premise coverage against physical disasters: fire, wind, etc

Personal Business Property within the building such as computers, desks, chairs, etc

Business Auto Insurance

Vehicle(s) used primarily for business-use

Business Umbrella

Excess Liability coverage over-top your business property and business auto policies

Terrorism Insurance

The Terrorism Risk and Insurance Act (TRIA) coverage against terrorist attacks.

Key Employee Insurance

Compensates a business if a key employee dies or becomes disabled.