Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.
Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of "property" is broad, and includes lost income, business interruption, buildings, computers, company papers and money.
Workers' compensation insurance, sometimes called workman’s compensation insurance, workers’ liability insurance or workers’ comp insurance, covers your employees’ medical expenses and at least some portion of their lost wages if they are injured on the job
If you own a business that employs drivers for delivery or transportation purposes such as a shuttle service or food delivery business you will likely be required by the state to carry a certain amount of commercial liability insurance. Commercial auto insurance policy will protect your business from financial responsibility in the event of an auto accident.
Umbrella liability insurance for small businesses, also known as excess liability insurance or commercial umbrella insurance, provides additional protection when your business exceeds insurance limits on an underlying policy. Our friendly knowledgeable staff will work with you to get all the coverage you need at a price you can afford.