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Information and resources

Commercial insurance is one of the most important investments a business owner can make. It can be instrumental in protecting a business from potential loss caused by unforeseen and unfortunate circumstances, such as theft, property damage, liability, and workers' compensation. We have provided more information below to help you understand commercial insurance a bit better.


Liability insurance covers injuries that you cause to third parties. If someone sues you for personal injuries or property damage, the cost of defending and resolving the suit would be covered by your liability insurance policy. A general liability policy will cover you for common risks, including customer injuries on your premises. More specialized varieties of liability insurance include:



Construction Workers

Worker's compensation insurance covers you for an employee’s on-the-job injuries. Businesses with employees are generally required by state law to carry some type of worker's compensation insurance. In most cases, worker's compensation laws prohibit the employee from bringing a negligence lawsuit against an employer for work-related injuries.


White Delivery Truck

Commercial automobile policies cover the cars, vans, trucks, and trailers used in your business. The coverage will reimburse you if your vehicles are damaged or stolen, or if the driver injures a person or property.


Empty Factory

Real estate insurance pays for losses and damages to real or personal property. A property insurance policy would cover, for example, fire damage to your business. Additional coverage includes, but is not limited to:


Installation Power Buggy Rental

Builder’s risk insurance covers buildings while they are being constructed. The policy would cover losses if a storm were to take down the partially constructed building.


Father & Son

Business interruption insurance(aka Business Income) covers lost income and extra expenses resulting from a covered property loss. For example, if a fire forces you to close your doors for two months, this insurance can reimburse you for salaries, taxes, rents, and net profits that would have been earned during that period.


Crime Prevention

Crime insurance covers theft, burglary, and robbery of money, securities, stock, and fixtures from employees and outsiders.


Taking blood pressue

Professional liability insurance, aka Errors and Omissions, E&O, or Malpractice insurance,  covers losses when a professional’s conduct falls below the profession’s standard of care. For example, if an architectural firm presents a design with inherent flaws that eventually lead to a property loss, bodily injury, or both, then the firm can be held liable.  Professional Liability insurance can protect, dentists, accountants, real estate agents, architects, attorneys, and other professionals.  Contractor's Errors and Omissions are also widely available for certain trades.


Blue Keyboard

Cyber Insurance is a rapidly evolving coverage within the insurance industry.  First-party coverage is available for your costs in recovering from a security breach, while many policies also offer third party coverage for your notification and liability costs if your customer's data is compromised.

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