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Commercial insurance protects businesses. It covers businesses against property losses, arising from things like fire or theft or injury to guests and employees. Commercial insurance is a term commonly used to encompass core business insurance coverage like Property, General Liability, Workers Compensation, Business Auto and Umbrella policies.
Whether you are running a fleet of cabs or have a pick-up truck to haul your equipment so you can perform your work, a vehicle used in business should be insured under a business auto policy. What happens when your vehicle gets damaged in an accident, flood, fire or if it is stolen, not to mention the liability to others for injuries and collision damage?
Business Owner's Policy
Business owners policy is a package policy that includes both commercial property and general liability coverages. This package of insurance is created for small business owners to cover building, contents and business interruption to cover loss that is resulted from covered perils and for third-party bodily injury and property damage liability claims.
Whatever physical assets that you use to run your business, can be termed as your business property. These may include your tools and equipment at your premises, inventory, computers, appliances, furniture and even expensive paintings you have hung in the reception area.
Commercial General Liability Insurance protects your business holistically. The insurance will protect your business from another person's claims for bodily injury, medical costs or damage to property.
Umbrella or Excess Liability
Umbrella insurance is a secondary type of liability insurance that is in excess over specified underlying policies It's a separate policy that provides additional limits to pay claims when the primary policy limits have been exhausted.
Workers Compensation and Employers Liability protects business owners for statutorily required benefits payable to an employee that is injured on the job and liability for employee lawsuits alleging employer's negligence.
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