Business & Commercial Insurance

Commercial Auto

Just like your personal vehicle, your business vehicles need proper insurance coverage. This typically includes liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.

If your business owns the vehicle, ensure the business is listed as the primary insured on the policy.

The specific coverage needs will depend on how you use your vehicles (e.g., delivery, client visits). Consult with your insurance agent to determine the appropriate coverage levels.

General Liability

In today’s litigious environment, General Liability insurance is crucial for any business. It provides financial protection if your business is sued for bodily injury, property damage, or other legal claims.

Key Coverages:

• Bodily Injury: Covers medical expenses, lost income, and other damages resulting from injuries caused by your business.
• Property Damage: Protects against claims for damage to third-party property.
• Product Liability: Covers claims arising from injuries or damages caused by your products.
• Professional Liability: Protects against errors or omissions in your professional services.
• And more: Coverage can also include legal defense costs, medical payments, and other relevant protections.

Workers’ Compensation

In most states, employers are legally required to carry Workers’ Compensation insurance. This coverage provides benefits to employees injured on the job, such as medical expenses, lost wages, and rehabilitation.

Key Benefits:

• Protects Employees: Provides financial support to injured workers.
• Protects Employers: Limits employer liability for workplace accidents.
• Simplifies Claims Process: Eliminates the need for lengthy legal battles.