Business Insurance

General Liability Insurance
A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising from operations, products, completed operations, advertising, and personal injury liability.

Commercial Auto Insurance
Covers vehicles owned or operated by a business, including cars, trucks, and motorcycles. This insurance provides financial protection against damage or injury resulting from traffic collisions, theft, or events other than traffic accidents.

Commercial Property Insurance
Protects businesses from the risk of loss to buildings and personal property, including the business owner’s property and items owned by others that are on-site. Coverage may be all-risk or specific perils-based, depending on the policy.

Commercial Umbrella Insurance
Offers excess liability coverage over specified commercial policies and can serve as primary coverage for losses not covered by other policies. This coverage kicks in after the limits of other policies are reached.

Professional Liability Insurance
Also known as errors & omissions (E&O) insurance, it helps protect service providers from the costs of defending against negligence claims made by clients and from damages awarded in civil lawsuits. It may also cover defense costs for groundless legal actions.

Business Owner’s Package (BOP)
A BOP combines protection from major property and liability risks in one package, often at a lower premium than purchasing individual policies. This policy typically includes business interruption insurance, which compensates for lost revenue during insured property losses.

Workers’ Compensation
Provides wage replacement and medical benefits to employees injured on the job. In exchange, employees waive their right to sue their employer for negligence in most cases.

Group Health Insurance
A policy purchased by employers that offers health coverage to employees and often their family members. It’s a key part of many employee benefit packages and supports employee health and wellness.

Group Life Insurance
Term life insurance covering a group of people, such as employees of a company. No individual underwriting is typically required, as the policy is issued based on the size, turnover, and financial strength of the group.

Group Disability Insurance
Provides regular income replacement for employees who become disabled due to illness or injury. This coverage may include short-term disability (STD) or long-term disability (LTD), depending on the policy.

Supplemental Insurance
Offers additional coverage to help with expenses not covered by regular insurance, such as out-of-pocket medical expenses, co-pays, and other financial burdens.