Business Insurance helps owners protect themselves from property damage, theft, vandalism, loss of income, employee injuries and illnesses and lawsuits. Different policies are critical to help safeguard a business’s investment and financial assets.
Package all of the policies your business needs for major property and liability risks together. Often included is vehicle, property damage, business income, property, and bodily injury, as well as other types of basic insurance needs.
Similar to personal home & auto policies, businesses need commercial policies for any vehicle or building used for business operations. Similar coverage will be provided to protect against accidents, injuries, lost wages or damage caused and fire, theft, and natural disasters that pertain to the business property.
Contractors are considered as high risk and need to carry a separate policy to cover their operations. Additional requirements may be a bond, Builders Risk or New and/or Remodel Projects as well as Workers Comp for any employees.
When you own a rental property, you have additional risks outside your home-owners policy. Additional rental property coverage may include revenue reimbursement, coverage against natural or man-made risk, replacement values and coverage against alleged discrimination liability
