Commercial Insurance
Business owners should thoughtfully assess their Commercial Insurance needs to protect key aspects of their operations—from vehicles and property to business employees. The right coverage helps safeguard investments and reduce risks that could hinder growth. Below are some core areas every business should consider.
Commercial Auto Insurance
Any vehicle used for business purposes requires a commercial auto policy, as personal car insurance won’t cover business-related activities. Whether for routine or occasional use, proper coverage is essential.
Workers Compensation
Workers’ compensation covers medical expenses and lost wages for employees that are injured on the job. Often required by law, it typically includes temporary workers as well.
Commercial General Liability Insurance (CGL)
This policy covers bodily injury, property damage, personal injury, and advertising injury. As a broad, catch-all policy, it’s a solid starting point for many businesses’ liability coverage.
Business Owner Package (BOP)
This policy bundles key coverages—such as property damage, business income, vehicles, and liability—into one convenient package for small businesses. Owners can save time and money by comparing quotes online through an independent agency, accessing multiple top-tier insurers at once.
Commercial Property Insurance
Commercial property insurance is like a homeowners policy for your business, covering risks like fire, theft, and natural disasters. If your business has a physical location, this coverage is essential.