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Business Insurance

Types of Business:

  • Contractors

  • Restaurants

  • Medical/Dental Offices

  • Manufacturers

  • Retail Stores

  • Auto Service/Sales

  • Real Estate

  • Special Events

  • Many more

Types of Commercial Insurance:

  • General Liability

  • Property/Building

  • Professional Liability

  • Workers Compensation

  • Business Owners Policies

What is business liability insurance?

Business liability insurance is any commercial insurance that involves a business's responsibility for losses, injuries, or damages. Types of liability insurance include:

  • General liability insurance to cover customer injuries and property damage.

  • Professional liability insurance for work mistakes that negatively impact a client.

  • Commercial auto insurance for accidents involving business-owned vehicles.

  • Employer's liability insurance to protect against employee injury lawsuits.


What does business insurance cover?
No single insurance policy covers everything. In general, there are two broad areas of coverage:

  • Business liability insurance covers incidents in which someone holds your business responsible for damages, injury, or loss.

  • Commercial property insurance pays for repair or replacement of damaged or stolen business property. It also covers your building if you own it.


Why do I need business insurance?

  • Business insurance, also called commercial insurance, provides crucial protection for any small business. If there's an accident at your business, you could face a lawsuit. The high cost of litigation, medical bills, and property damage claims is the primary reason businesses need insurance.

  • Your risk exposure determines which policies you need. The policy most businesses purchase is general liability insurance, which protects against customer injuries and other common accidents. You may need additional policies if you have employees, own a building, own a business vehicle, or provide expert advice.

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  • Commercial Auto

  • Bonds

  • Tools and Equipment

  • Commercial Umbrella/Excess

  • Many more

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