Commercial Insurance

Commercial auto insurance covers a range of vehicles, including company cars, delivery trucks, vans, and other vehicles used for business purposes.

In many cases, yes. It is often required by law, and having coverage helps protect your business from financial losses associated with accidents.

Coverage includes liability for bodily injury and property damage, collision and comprehensive coverage for your vehicles, and coverage for uninsured or underinsured motorists.

Yes, you can extend coverage to employees who use their personal vehicles for business activities. It's important to discuss this with our representatives to ensure adequate protection.

A BOP typically includes property insurance, liability insurance, and business interruption insurance, providing a comprehensive package for small to mid-sized businesses.

While it's ideal for many small businesses, the suitability depends on factors such as the nature of your business, size, and specific insurance needs. We can help you determine the right fit.

Yes, BOPs are often customizable. We can work with you to tailor the policy to match the specific risks and requirements of your business.

Business interruption insurance in a BOP helps cover lost income and operating expenses if your business is temporarily unable to operate due to a covered event, such as a fire or natural disaster.

Covered events often include natural disasters, fires, equipment breakdowns, and other events that disrupt normal business operations.

The coverage amount is usually based on your business's historical financial records and can include ongoing expenses, lost profits, and extra expenses incurred during the interruption.

Coverage for pandemics may vary. It's crucial to discuss specific terms and conditions with our representatives to ensure you have the appropriate coverage.

While it's often part of a broader insurance package, business interruption insurance can sometimes be purchased as a standalone policy, depending on your business's needs.

Executives, directors, officers, and sometimes employees can be covered under this insurance, protecting them from personal financial losses resulting from management decisions.

Claims related to alleged wrongful acts, mismanagement, breaches of fiduciary duty, and other decisions made in the course of managing a company are typically covered.

No, businesses of all sizes can benefit from this insurance. It provides crucial protection for leadership teams, regardless of the company's size.

While it doesn't replace other coverages, Directors & Officers Liability insurance works alongside general liability and other policies to provide comprehensive protection, particularly for leadership personnel.

General Liability covers bodily injury, property damage, personal and advertising injury, and legal defense costs for covered claims.

While not mandatory for all, it's highly recommended. Many businesses opt for General Liability insurance to protect against common risks and liabilities.

Yes, it can be tailored to your business's specific risks and needs, ensuring comprehensive protection.

It covers claims related to libel, slander, copyright infringement, and other advertising-related injuries that may occur during business operations.

Professionals such as consultants, accountants, lawyers, and other service providers can benefit from E&O insurance to protect against claims of professional negligence.

Claims related to professional mistakes, oversights, or failures in providing services are typically covered. This includes alleged negligence, misrepresentation, or breach of duty.

While not mandatory for all, certain professions may require or strongly recommend E&O insurance due to the nature of their work.

While General Liability covers bodily injury, property damage, and advertising injuries, Professional Liability focuses on claims related to professional services, errors, or omissions.

Buildings, equipment, inventory, furniture, and other physical assets crucial to your business operations are typically covered.

Covered perils often include fire, theft, vandalism, natural disasters, and other events that may cause damage to your business property.

Yes, Business Interruption coverage can be added to your policy to cover lost income and ongoing expenses if your business operations are interrupted due to covered property damage.

While not mandatory for all, it is highly recommended for businesses that own or lease physical space. It protects against significant financial losses due to property damage.

Surety Bonds serve as a financial guarantee that a business will fulfill its contractual obligations. They provide assurance to clients that they will be compensated if the business fails to meet its commitments.

Government agencies, project owners, and clients in various industries may require businesses to obtain Surety Bonds as a condition of contract agreements.

While insurance protects against unexpected events, Surety Bonds specifically guarantee the fulfillment of contractual obligations, providing a financial backup in case of non-compliance.

Yes, Surety Bonds are often available to businesses with limited credit history. The bonding process takes various factors into account, not solely reliant on credit scores.

Umbrella Insurance extends coverage beyond the limits of primary liability policies, providing additional protection against bodily injury, property damage, and other covered liabilities.

Businesses with significant assets or those seeking additional protection against unforeseen liabilities should consider adding Umbrella Insurance to their risk management strategy.

In the event of a covered claim, you would typically report it to your primary insurance provider first, and once their limits are exhausted, Umbrella Insurance kicks in to provide additional coverage.

Yes, Umbrella Insurance can be tailored to complement the specific risks and needs of your business, offering flexibility in coverage.

In most states, yes. Workers Compensation is typically required for businesses that have employees to provide coverage for work-related injuries or illnesses.

Workers Compensation covers medical expenses, rehabilitation costs, and a portion of lost wages for employees who are injured or become ill due to work-related activities.

Premiums are often calculated based on factors such as the number of employees, their job classifications, and the company's claims history.

In most cases, employees are generally restricted from suing their employer for work-related injuries if Workers Compensation is in place. The coverage provides a no-fault system for compensation.