If you own a small business, a Business Owner's Policy, or BOP, protects you from liability claims and lawsuits; safeguards your buildings, equipment and inventory; and covers you financially if your business unexpectedly shuts down from a covered loss. With a BOP you have the ability to customize the policy to meet your individual business needs.
Commercial property insurance protects your company's physical assets from many unforeseen events, such as fire, explosion, storms, theft and vandalism. Additional coverage is often also available for floods, earthquakes, equipment breakdown and other direct causes of loss to your business.
Commercial umbrella insurance provides an extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been reached.
Coverage typically includes product protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.
It covers a variety of vehicles as well as bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered.
Workers' compensation is insurance that provides cash benefits and/or medical care for workers who are injured or become ill as a direct result of their job.
Whether you’re a contractor looking for a complex bid bond or a business owner in need of a simple license and permit bond, we are here to help.