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COMMERCIAL GENERAL LIABILITY INSURANCE

It is considered a type of comprehensive business coverage. However, it does not cover all the risks businesses may face. It provides coverage for bodily injury, personal injury, and property damage caused by the business operations that occur on the business premises.

BUSINESS OWNERS POLICY (BOP)

This insurance combines business property and general liability in one convenient policy that is usually more affordable than purchasing each policy separately. It is usually purchased by small and medium-sized companies with low-risk profiles and basic coverage needs.

COMMERCIAL AUTO INSURANCE

Any business that uses vehicles for business operations will need commercial vehicle insurance. It may cover business autos, trucks, and trailers and usually include liability, physical damage, medical payments, uninsured motorist, and non-owned coverage. Of course, you can always customize it.

COMMERCIAL PROPERTY INSURANCE

It insures the inventory, your business physical structure, and tools and equipment. It also provides coverage against some manmade or natural disasters like vandalism, wind damage, and fire damage.

WORKERS’ COMPENSATION

It can help your employees if they suffer a work-related injury or illness. The benefits usually include medical treatments, temporary disability benefits, permanent disability benefits, supplemental job displacement vouchers, and death benefits.

PROFESSIONAL LIABILITY INSURANCE

Also known as errors and omissions, covers claims of negligence, misrepresentation, or inaccurate advice. It will protect you and your company if you make a mistake in your professional services.

TOOLS AND EQUIPMENT COVERAGE

This policy will protect the tools and equipment you use in your everyday business. In case your tools are damaged, lost or stolen, your insurance policy will provide money to replace or repair your tools.

EQUIPMENT BREAKDOWN

As an optional part of commercial insurance, it helps your boilers, machinery, air-conditioning, security systems, and computers keep your business running. Equipment breakdown insurance will pay for repairs after the covered incident and lost income due to broken-down equipment

COMMERCIAL CRIME INSURANCE

Crime insurance protects your business from the costs associated with employee dishonesty, computer and funds transfer fraud, forgery, and theft of clients’ property. It does not cover you or your partners’ actions, your liabilities die to crime-related losses or your accounting errors.

COMMERCIAL UMBRELLA INSURANCE

It covers any legal costs, medical bills, damages to other people’s property, judgments and settlements that exceed the liability policy limits. Without this type of insurance, you would have to pay out of your pocket for claims that cost more than your policy limits.

DATA BREACH INSURANCE

This type of insurance will protect your business from financial losses resulting from a data breach. These policies usually include tech errors and omissions, cyber liability insurance, and data breach coverage to prepare for, respond to, and recover from cyberattacks.

INLAND MARINE COVERAGE

Inland marine coverage protects equipment, products, and materials that you transport on land. It is designed to safeguard moveable business property and usually needs more protection than the typical BOP.

BUSINESS INTERRUPTION INSURANCE

This type of insurance covers the loss of income that a business suffers after a disaster such as a fire or some natural disaster. It helps pay for operating expenses, payroll, taxes, loan payments, or, if necessary, a move to a temporary location.

EMPLOYMENT PRACTICES LIABILITY (EPL)

Employers may face a number of different lawsuits for acts including harassment, discrimination, retaliation, wrongful discipline, or wrongful termination. Add legal fees, and the total cost can be staggering without EPL.

LIQUOR LIABILITY INSURANCE

Liquor liability insurance protects businesses that manufacture, sell, distribute, or serve alcohol, regardless of size. In some cases, businesses are legally required to have liquor liability insurance before being given a liquor license.

SURETY AND FIDELITY BONDS

This form of insurance is issued by the licensed insurance companies used to manage risks associated with the commercial transactions – different types of losses or damages. Sometimes the bonds are required by law before the commercial parties engage with each other.

FOOD SPOILAGE AND CONTAMINATION POLICY

Food spoilage policy can help you reimburse the cost of your lost food and beverages due to prolonged power outage, equipment breakdown, or mechanical breakdown. The contamination policy will pay for contamination-related loss: loss of income due to shutdown, equipment cleaning, replacing contaminated food, and many more.

DISABILITY INSURANCE

It covers the portion of the employee’s income when they lose the ability to work due to a non-work-related injury or illness. Short-term and long-term disability plans are available. There is no direct coverage for your business, but this extra coverage can additionally motivate your employees.