Business insurance includes products designed to protect risks inherent to commercial enterprise such as commercial property, liability, business vehicles, workers compensation, and bonds.
We have special expertise in the following programs:
As an independent agent, we represent numerous commercial insurance companies offering a variety of coverage and price options. Equally important, we listen. We take the time to understand your business needs. We help you find the coverage you need at a price you can afford.
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Commercial general liability insurance covers the legal costs and general damages that a business becomes responsible for in a covered liability claim or lawsuit, subject to the limits and conditions of the policy. General liability insurance policies usually protect the business in four categories; bodily injury, property damage, personal injury (including slander), and advertising injury. Punitive damages generally are not covered because they are considered to be punishment for intentional acts.
General liability insurance policies usually states a maximum amount that the insurer will pay during the policy period and often lists the maximum amount the insurer will pay for any one occurrence.
It is important to understand that general liability insurance does not protect your business against every type of liability. Certain risks require separate coverage.
While individual liability insurance policies are available, many businesses find it more cost effective to buy a package policy that includes both property and liability coverage together. For larger businesses, a combined property/liability policy is often referred to as a Commercial Multi-Peril (CMP) policy. Smaller businesses can get similar coverage in a Business Owners Policy (BOP) policy.
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