Commercial Business

General Liability Insurance Can Help Protect Your Business from the Unknown

With the day-to-day uncertainties of small business management, general liability insurance is something you cannot do without. Accidents happen – on site, off site, with employees and with customers – no matter how much you’ve planned.

Liability insurance can help cover medical expenses, attorney fees and damages you are legally responsible for. It can also offer protection against situations that may not have even crossed your mind.

For example, any individual or business providing an opinion, making recommendations, designing solutions or offering a service is at risk for a professional liability lawsuit.  Your Insurance Company can help with defense costs, regardless of fault. And we offer protection for judgments, court costs and more.

What business liability insurance covers
We understands that you need complete business protection, not one-size-fits-all coverage. Our agents will work with you to determine the right type of commercial liability insurance you need for every stage of your business.
We offer coverage for:
Professional liability
Products and completed operations
Fire liability
Medical payments
Premises liability
Employer’s liability
Employee benefits liability
Employment-related practices liability


Business Interruption
Business interruption insurance keeps your business from closing its doors due to unexpected events. If you’re closed for business, you still have to pay the bills – employees, rent or mortgage, suppliers, taxes and yourself. A force outside your control may interrupt your business continuity strategy and cause you to close your doors for a time, including:
Wind storm
Equipment damage

What business interruption insurance covers
Business interruption insurance can keep capital flowing through your company in the event of such disruptions. It can help you:
Keep your business afloat if a loss forces you to close for a short time
Pay for lost net income and continuing expenses such as mortgage, advertising, taxes and salaries
Pay your relocation and advertising fees if you set up shop at a temporary site
Maintain your business continuity strategy

Business Owners Policy
A business owners policy, also known as BOP insurance, combines property insurance, liability insurance, crime coverage and additional protection into one convenient package.

What a BOP covers
Business insurance is a necessity for even the smallest company in order to protect and maintain its financial health. We understand how important that is.

Business owners insurance offers coverage for businesses with fewer than 100 employees and less than $5 million in sales. Common BOP coverage includes:
Property insurance, which protects your building, equipment and inventory
Business income insurance, which covers lost income if your operations are suspended because of a covered loss
Equipment breakdown insurance, which protects you if your equipment is damaged from power surges, mechanical breakdown, or burnout.
Personal and advertising injury coverage, which covers copyright infringement, libel and slander
Bodily injury and property damage liability, which covers those instances when your employees, products or services cause harm to other people or their property
Medical payments coverage, which covers medical expenses resulting from injury to others on property you own or rent
Rented vehicle coverage, which provides liability coverage for autos that you lease, hire or borrow