As a business owner, you have a wide range of insurance coverages you need in order provide peace of mind to yourself, your clients, and your employees. There are several different policies that go into making sure your business risks are properly covered, without gaps, and our agents have access to multiple carriers to assist you in finding the right company for your coverage needs.
- General Liability Coverage: General liability coverage provides liability protection for your normal business operations. It provides coverage for losses due to property damage, personal injury, and advertising injury.
- Business Owners Policy (BOP): If you need property coverage for your business location and business personal property in addition to your general liability coverages, then a BOP policy will provide the comprehensive coverages you need on one policy.
- Workers Compensation Coverage: Work related injuries can cause a large financial liability. Coverage for employee’s injuries and lost wages are covered by workers compensation policies. These policies are only legally required if you have 3 or more employees, but depending on your business operations, you may still have a need for workers compensation coverage if you have less than 3 employees.
- Business Auto Policy: If you have one or more vehicles that are used by you or your employees in your business operations, then you have the need for business auto coverage. Business auto policies provide coverage for damages to your vehicle(s), bodily injuries, and damages to other people’s property.