Business owners! Don't take unnecessary risks, plan for the unexpected. If you own or manage a business, it is your livelihood, and its protection is your number one priority. No matter what your situation, we can supply the commercial insurance to cover your needs. We can cover most types of business in most states, and we are confident you will be happy with our service.
Defense Base Act Cover your business needs for overseas operations. Click here for required Defense Base Act info.
Commercial Insurance Terms Commercial Property Insurance This covers the buildings, contents, and stock owned and used by the business. The main causes of loss covered are fire and theft.
Commercial General Liability Insurance Bodily Injury / Property Damage - Bodily injury includes physical injury, sickness, or disease including death. Property damage includes physical injury to tangible property, as well as resulting loss of that property. Personal / Advertising Injury - Personal injury includes false arrest, malicious prosecution, wrongful entry or eviction, libel and slander, and violations of a person's right of privacy. Advertising injury includes libel, slander and disparagement, violations of a person's privacy, misappropriations, and copyright infringement. Medical Payments - This includes medical expenses for bodily injury caused by an accident.
Commercial Auto A commercial auto is any automobile owned by the company or the company's owner(s) which is used for company purposes. Many states require businesses to have personal injury protection (PIP) on their cars as well as uninsured motorist coverage. We suggest you have a comprehensive plan on all of your company's vehicles to take care of any situation that may be encountered.
Professional Liability Insurance This covers liability incurred by a professional such as a physician, nurse, attorney, architect, or consultant for negligent acts occurring while professional services are performed.
Umbrella Liability Insurance When the limits of each of General Liability, Commercial Auto, and Workers' Compensation coverage reach $500,000 or $1,000,000, and the insured desires excess coverage to be used in the event that all of these limits are exhausted, then Umbrella Liability coverage may be purchased.
to the top Bonds Bonds, in this case, are not insurance. They are a guarantee that work will be completed for the price that was set, and the person completing the work, known as the principal, is held responsible for this.
