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Commercial Insurance

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Commercial Insurance

The most common types of commercial insurance are property, liability and workers’ compensation. In general, property insurance covers damages to your business property; liability insurance covers damages to third parties; and workers’ compensation insurance covers on-the-job injuries to your employees. Depending on your business, you may want additional specialized coverages. Listed below are some of the different types of business insurance.

Property Insurance

Property insurance pays for losses and damages to your building or personal property. For example, a property insurance policy would cover fire damage to your office space. You can purchase additional coverages for business property, including:

  • Equipment Breakdown – Provides coverage for the accidental breakdown of boilers, machinery, and equipment. This type of coverage usually will reimburse you for property damage and business interruption losses.
  • Builder’s Risk Insurance – Builder’s risk insurance covers buildings while they are being constructed or remodeled. For example, a Builder’s risk policy would cover losses if a windstorm takes down your building.
  • Inland Marine Insurance – Inland marine insurance covers your business property, property in transit and  property while on / off your premises.
  • Business Interruption Insurance – Business interruption insurance covers lost income and expenses resulting from property damage or loss.
  • Ordinance or Law Insurance – Ordinance or law insurance cover when your building has been partially destroyed. Property insurance covers only the replacement value, not the upgrade.
  • Crime Insurance – Crime insurance covers theft, burglary, and robbery of money, securities, stock, and fixtures from employees and outsiders.
  • Fidelity Bonds – A bond company covers losses due to a bonded employee’s theft of business property and money
  • Cyber Liability
  • Bonds

Commercial Liability Insurance

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. 

  • General Liability
  • Errors and Omissions Insurance 
  • Professional Liability
  • Commercial Automobile Insurance
  • Directors’ and Officers’ Liability Insurance

Workers’ Compensation Insurance

Workers’ compensation insurance covers you for an employee’s on-the-job injuries. In most cases, workers’ compensation laws prohibit the employee from bringing a negligence lawsuit against an employer for work-related injuries.

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Other Available Policies:

Commerical Insurance

Coverage for losses and damages  to commercial property.

Auto Insurance

Auto coverage protects you against different types of losses.

Home Insurance

Coverage consists of coverage for your dwelling and your personal property.