Business & Commercial Insurance
Business & Commercial Insurance Information
Business Owners Policy
Business owners insurance is a policy available to small to mid sized businesses that protects the business from General Liability and Property claims that may arise from your business operations.
Business Owners Policies include:
Property insurance for buildings and contents owned by the company. There are two different forms, standard and special, which provides more comprehensive coverage. Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.Liability protection, which covers your company's legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided.
Commercial Package Policies
Commercial Package policies are available to larger sized businesses in order to tailor their policies to meet their more complex coverage needs.
Commercial Package Policies include:
A Commercial Package Policy (CPP) gives business owners a wide range of essential property and liability coverage for the business. By combining the components of two or more individual commercial insurance policies into one flexible package, the total premium is usually less than the combined premium of the individual policies.Commercial Package Insurance Policies usually include Commercial General Liability and Commercial Property Insurance, and may also include a variety of other coverages like Commercial Auto, Builder’s Risk, Inland Marine, Boiler and Machinery, Business Interruption, and others, depending on the specific nature of the business.
Businesses are required to provide Workers Compensation insurance in order to protect the business from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents.
Contact us today to find the best insurance coverage solution to properly insure your business.
Business & Commercial Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Business & Commercial Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.