BUSINESS & COMMERCIAL INSURANCE

General Liability

General liability insurance safeguards your business in case someone lodges a claim for bodily injury or property damage against it. Your company interacts with numerous individuals daily, such as contractors, clients, customers, and the general public. At any given time, one or more of these individuals could allege that your business caused them bodily injury or property damage, leading to a lawsuit. Such claims can expose your business to defense costs and damages. Having a general liability policy can be crucial for staying operational during unforeseen circumstances.

Typically, general liability policies offer:

• Premises liability coverage, which protects against injury costs on your business property.
• Products liability coverage, which protects against damage to property and injury caused by your products or services.
• Personal and advertising injury liability coverage, which protects against injury costs arising from certain offenses related to your business, such as slander, libel, wrongful eviction, and copyright infringement in your advertisements.

Business Owner’s Policy (BOP)

Merges business property and business liability insurance into a single policy, offering comprehensive coverage. BOP insurance protects your business against claims arising from events such as fire, theft, or other covered disasters. It also covers claims that may arise from your business operations, including those related to bodily injury, property damage, personal injury, and advertising injury.

Professional liability insurance (PLI)

Shields professionals like accountants, lawyers, and physicians from negligence and other claims made by their clients. This insurance is essential for professionals specializing in particular areas because general liability insurance policies do not cover claims stemming from negligence, malpractice, errors, or misrepresentation.

Workers’ compensation insurance

offers medical and wage benefits to individuals who sustain injuries or illnesses at work. This coverage is required in each state, with the specific wage and medical benefits differing by state. Workers’ compensation covers medical expenses, lost wages, and rehabilitation expenses for employees who are injured or fall ill "in the course and scope" of their employment. Additionally, it provides death benefits to the families of employees who die while on the job.