COMMERCIAL INSURANCE COVERAGES

Business Owners Policy (BOP)

Combined policy where property insurance and liability insurance are packaged together at a cost savings for small business.

Business Interruption Insurance

If your business shuts down due to a covered loss, this coverage can provide reimbursement for the expenses that would have occurred if the business was operating.

Commercial Property Insurance

Policy providing protection for the building and other business property that you own or lease.

Commercial Auto Insurance

Policy covering the owner, employees and company vehicles for injuries and damages, whether the vehicles are leased, owned or rented. Passengers are also covered.

General Liability Insurance

Policy protects businesses from most situations where the company could be held liable for bodily injury or property damage. It does not include commercial vehicle or professional liability coverage.

Umbrella Insurance

Provides extra liability coverage that can dramatically increase a firm’s ability to settle claims or cover the cost of court judgements in the event of a lawsuit.

Surety Bonds

Three party bond that guarantees the principal will perform the obligations set forth by the oblige or else the surety will step in to help the oblige recuperate losses.

Marine Insurance

Provides protection for company equipment or goods in transport. It also provides coverage if the vehicle transporting the goods is damaged, and provides liability coverage for third parties.

Builders Risk Insurance

Protection for all building materials – on-site, off-site, and in transport that a builder uses during the course of the construction process.

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