A Commercial Automobile Policy insures vehicles that are owned, leased, hired or borrowed by businesses—whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, and commercial vehicles designed for use on public roads.

Many small business owners purchase a Business Owners Policy which packages Property, Liability, and other types of coverage into one comprehensive policy to help you save time and money.

Property Insurance can protect your commercial building, office furniture, computer equipment, leasehold improvements, inventory, business records, supplies, and other physical items in the event of a loss caused by a covered peril such as fire or theft. It can also help supplement the loss of business income that you may incur in the event of a loss.

Employment Practices Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees. It provides protection against such employment-related acts as discrimination (age, sex, race, disability, etc.), wrongful termination of employment, and sexual harassment.

Your Homeowner’s policy provides very limited coverage to your business property and no coverage for business liability. You may need to purchase a commercial policy to properly protect and insure your Home Business.

Certain professionals have legally obligated standards of conduct established by their field, especially if improper performance can result in injuries to others. There are many insurance coverage options available to help protect professionals—from lawyers to physicians to architects to accountants—against potential liability hazards associated with their work.

Liability Insurance protects the business owner against injury or damage claims made by other parties, including those occurring on the premises of your business, or caused by your business operations or product. The umbrella provides an extra layer of liability protection over and above your general liability, auto liability, and employer liability coverage.

Insurance needs for condo owners differ from homeowners and renters insurance. Important things to consider include what coverage is provided in the Master Policy, the association deductibles, and how much insurance coverage you need.

Workers’ Compensation and Employers Liability coverage applies to accidental bodily injury and diseases arising out of and in the course of employment. Only occupational diseases which are unique to the occupation are covered. The Workers’ Compensation Insurance Policy provides the injured employee with medical benefits, income benefits, and rehabilitation benefits. It also provides death benefits to the injured party’s family in the event of a work-related fatality.