Business Insurance

Also referred to as commercial auto, business auto can be very straightforward (insuring vehicles your company owns) but also confusing (i.e. using personal vehicles for business). While many of the coverages are similar to that on a personal auto policy, the limits and conditions can be very different and may vary based on the use of the vehicle.

Known as Errors and Omissions (E&O) Insurance, professional liability helps cover you and your business if you make a mistake in the services provided to a customer.  Even if you did not make a mistake but your customer believes you did and sues you, this coverage will help pay for your defense.

Workers Comp provides benefits to your employees if they get injured on the job or become ill from their job. If you have employees, Workers Comp is required by law in just about every state, though the details may vary.

We live in a digital world and most businesses, even those traditionally considered “offline” continue to have an increasing digital footprint. Technology brings incredible capabilities to our fingertips. Unfortunately, it also brings additional risk. Cyber coverage has become increasingly popular to mitigate the impact of data breaches, downed computers and networks and the losses that result.

Umbrella policies are essentially insurance above and beyond other liability policies that you may have. Without this type of coverage you would have to pay out of pocket for losses that exceed your other policies limits.

Sometimes referred to as “course of construction” insurance, a Builders Risk policy covers a construction project while it’s being built including the materials, supplies, equipment and other costs associated with completing the project. It is an essential form of coverage as part of a comprehensive risk management program.

Many business owners are surprised to learn that flood damage is not typically covered under a commercial property policy. Flood damage can be sudden, extensive and costly. Fortunately there are government backed and private options to obtain the coverage you need for your business.

Commonly known as “course of construction” insurance, a Builder’s Risk policy covers a construction project while it’s being built including the materials, supplies, equipment and other costs associated with completing the project. It is an essential form of coverage as part of a comprehensive risk management program.