Core Business Coverage

General liability insurance is the cornerstone of your business protection. It covers claims related to:

• Third-party bodily injuries (e.g., customer injuries at your premises).
• Property damage caused by your operations.
• Personal or advertising injuries, such as slander or copyright infringement.

Whether a slip-and-fall accident occurs on your property or an ad inadvertently leads to a legal dispute, this coverage ensures you’re shielded from costly lawsuits.

If your business uses vehicles—whether for deliveries, transport, or service calls—commercial auto insurance offers essential protection. Key benefits include:

• Coverage for accidents involving business-owned vehicles.
• Protection against auto theft or vandalism.
• Liability coverage for bodily injuries and property damage caused by your vehicles.

From a single company car to an entire fleet, this policy ensures your business stays on the move without financial setbacks.

Your employees are the backbone of your business. Workers’ compensation insurance protects both your workforce and your business by:

• Covering medical expenses and rehabilitation costs for employees injured on the job.
• Compensating for lost wages during recovery.
• Ensuring compliance with state regulations.

Whether your team operates in high-risk environments or office settings, this coverage provides the security your employees deserve while reducing liability for your company.

Protect the physical assets that drive your business with property insurance. It covers damages to:

• Buildings and facilities owned by your business.
• Equipment, tools, and machinery vital to operations.
• Inventory and stock, whether damaged by fire, theft, or weather events.

This policy helps businesses recover quickly from disasters, ensuring continuity and minimal downtime.

When your standard liability coverage falls short, commercial umbrella insurance offers an extra layer of protection. This policy:

• Extends the limits of underlying policies, such as general liability or commercial auto.
• Shields your business from high-stakes lawsuits requiring greater payouts.



For businesses seeking additional security, this coverage provides peace of mind, even in the face of unexpected large claims.

A Business Owner's Policy combines several essential coverage types into a single, convenient package. Designed for small and mid-sized businesses, a BOP typically includes general liability, property insurance, and business interruption coverage. Key benefits:

• Simplified insurance management with a bundled policy.
• Cost savings compared to purchasing separate coverages.
• Protection for property, liability, and income loss due to covered events.

A BOP is well suited to businesses seeking comprehensive protection without unnecessary complexity or gaps in coverage.

Business interruption insurance, also known as business income insurance, provides critical financial support if your operations are suspended due to a covered loss such as fire or natural disaster. This policy helps by:

• Replacing lost income during the restoration period.
• Covering ongoing expenses, such as payroll, rent, and utilities.
• Supporting the continued viability of your business while repairs are completed.