Through our trusted carriers, we can create a custom package of insurance coverages that will protect your business or organization from various situations. Below are descriptions of some of the most common coverages found in commercial insurance:

Commercial Property

The Commercial Property policy insures businesses and organizations against damage to their buildings, the buildings' contents, and other physical property they own. 

Commercial Umbrella Liability

This policy provides an extra layer of liability protection that supplements underlying liability policies (E.g. the Commercial General Liability policy). It can also provide broadened and supplementary liability coverages. 

Employee Benefit Liability

Protects the insured employer against claims by employees or former employees resulting from negligent acts or omissions in the administration of the insured’s employee benefits programs.

Directors & Officers Liability

This policy covers directors and officers of for-profit and not-for-profit businesses and organizations. It covers them for defense costs and settlements of suits brought against them that accuse them of managerial errors that cause undesirable financial consequences for the company.

Employment Practices Liability

Businesses and organizations can be sued for harassment, discrimination, wrongful termination, defamation, retaliation, invasion of privacy, and more by their employees. This policy will cover the defense costs and settlements from these types of allegations. 

Commercial General Liability

The Commercial General Liability policy protects businesses and organizations from liability claims involving bodily injury, property damage, advertising injury, and personal injury that are caused by the operations, the products, and/or the business' premises.

Workers' Compensation

Provides benefits to a worker or the worker’s dependents for injury, disability, or disease contracted by the worker in the course of his or her employment.

Business Automobile

Business Automobile insurance covers commercial automobile risks. It provides coverage for legal liability, damage to vehicles, medical expenses, loss from uninsured/underinsured motorists, and personal injury protection or other equivalent no-fault coverage.

Professional Liability

A Professional Liability policy covers specialists that have higher amounts of liability than the Commercial General Liability policy was intended for. Certified professionals, occupations that require a license, and other high-risk occupations often require a Professional Liability policy.

Business Income

Also known as Business Interruption insurance, this coverage reimburses businesses for their lost income after a covered loss that inhibits or eliminates their operations.