Workers' Compensation
Workers' Compensation is a type of insurance purchased by employers for the coverage of employment related injuries. The policy is designed to provide employees with wage replacement and medical benefits when injured on the job by an accident or occupational disease. This protects employees from their injuries on the job and employers from lawsuits by workers injured while working.
Business Owner Policy (BOP)
A business owner’s policy (BOP) combines various insurance coverages into one convenient package. BOP’s are designed for small to mid-sized businesses and typically include basic coverages like property and general liability insurance. Business owner policies often provide comprehensive coverage options at very competitive rates to the business owner.
General Liability
A policy for businesses to protect against financial loss from liability claims for bodily injury and property damage arising out of premises, operations, products, completed operations, personal and advertising liability, and more. General Liability insurance will typically cover the costs of your legal defense and will pay on your behalf damages you are found liable for.
Professional Liability (E&O)
Liability coverage designed to protect professionals against errors and omissions in performing their professional services. Typical coverages include defense costs and judgements that come from negligence, errors and omissions. This coverage is important to companies and individuals that provide any professional services in their operations as it’s typically excluded from General Liability policies.
Business Auto
Business auto insurance protects your business for liability including bodily injury, property damage, uninsured/underinsured motorist coverage, medical payments, as well as physical damage coverage for your vehicles including comprehensive and collision coverage. Other coverage options include towing and labor, rental reimbursement, and gap coverage.
Business Property
Provides coverage to businesses or entities when they have a financial or insurable interest in the property for damage to their buildings contents, loss of income, and more. Some common causes of loss for business property include fire, windstorm, theft and water damage.
Umbrella / Excess Policy
These policies provide an additional layer of liability insurance for a covered loss over and above an underlying policy limit if it has been exhausted. If the cost of a claim exceeds the limits of liability on an underlying policy then the umbrella provides additional liability coverage.
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