If you have a business , we don’t need to convince you that you need business insurance. Why? You aware of the risks that you have as a business owner that can lead to financial losses, lawsuits, property damage, and operational interruptions that without the right coverages could otherwise cause you to file bankruptcy or worst yet , have someone sue your personal assets. Having the right coverages is a wise business choice. We can help you choose the right policies that covers liabilities, employee injuries, and assets.
General Liability covers legal cost and damages if your business is sued for bodily injury, property damage or personal injury(like libel or slander) cause by your business operations.
If you owned the business property(s) you conduct your business on, you can schedule the location(s) and combine your General Liability with your Commercial Property Coverage, commoly known as a Buisness Owners Policy(BOP).
Worker’s compensation provides wage replacement and medical benefits to employees injured on the Job.
Employer Liability Insurance(often “part Two” of your worker’s compensation policy)protects businesses from lawsuits filed by employees for job-related injuries, diseases, or death that are not covered by standard worker’s compensation. It covers legal defense cost,settements, and judgements if a worker sues for negligence.
Commercial Auto Insurance covers vehicles used for business purpose. Includes liability, collision, and comprehensive coverage for cars, vans, or trucks owned or leased by the business.