Workers Compensation protects your employees should an injury occur during the course of employment. Payments are made to the injured party and can consist of medical payments, loss of wages or therapy.
All states require all employers to carry Workers' Compensation insurance and each state has individual laws that must be met.Read More
Property and Liability
Property insurance can cover the buildings that you own and/or business property and inventory against physical loss or damage.
If you don't own your building, you'll still need contents coverage. In most policies, property insurance for business contents covers furniture, fixtures, inventory, office equipment and other supplies stored at your facility or off-premises. You may insure those items for replacement cost or for actual cash value (ACV), which pays only for the depreciated value of the property.
General Liability insurance does not protect your business against claims of professional negligence, or for failure to perform your professional duties. For this type of coverage, the business will need a separate Professional Liability policy.Read More
Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others.
Just like you need auto insurance for your own car, you need business auto insurance to cover your business-owned or leased vehicles. If you, or any of your employees have an accident in your business's car, you may be liable for bodily injuries, lost wages or any damage caused.Read More
- Workers Comp
- Property and Liability
- Specialty Liability
- Commercial Vehicle