COMMERCIAL AUTO INSURANCE

Commercial automobile insurance covers vehicles used for business purposes including: business-owned private passenger vehicles, trucks, tractors and trailers, and fleets of vehicles. Commercial automobile policies provide coverage for bodily injury and property damage to others, no-fault personal injury coverage, and physical damage coverage for your own vehicle(s) for collision or other perils resulting from the ownership or use of commercial vehicles in a business.

WORKERS ‘ COMPENSATION INSURANCE

Workers’ compensation insurance is required by regulation in most states when you have W2 employees. In some states the requirement may include that you cover your contractors. It covers your employees’ medical and disability expenses related to work-related illness and on-the-job injuries. In some states, owners, officers, partners and other principals can decline to participate in their own companies’ workers’ compensation coverage.

Employer’s Liability coverage, also included in these policies, protects your company should an employee claim that his or her injury or illness was caused by your company’s negligence or failure to provide a safe workplace.

GENERAL LIABILITY INSURANCE

Your business faces liabilities every day. The only way to protect your assets is to carry adequate business liability insurance. A Commercial General Liability (CGL) insurance policy is the first line of defense against many common claims. General Liability insurance covers claims of bodily injury or other physical injury or property damage. It is frequently offered in a package with Property insurance to protect your business against incidents that may occur on your premises or at other covered locations where you normally conduct business. Commercial General Liability enables your business to continue operations while it faces real or fraudulent claims of certain types of negligence or wrongdoing.

BUSINESS OWNERS INSURANCE

This is a package policy that covers major property and liability exposures as well as a loss of income if your business cannot operate for a period of time. A BOP covers major property exposures, liability exposures and business interruption.

Property coverage generally includes owned or leased buildings; the contents of buildings, such as furniture, supplies, fixtures, machinery, equipment, inventory and building improvements; glass and signs; and some property off of the premises. Property insurance can be bought based on the property’s actual cash value (its replacement cost minus depreciation), its current replacement cost or another agreed-upon amount, such as an appraisal.

Liability insurance covers your business if it is sued for something the business did or failed to do that caused injury or property damage to someone else. Liability insurance covers damages and settlements stemming from a lawsuit, up to the policy limits. Many liability policies also cover attorneys’ fees and other costs associated with defending against a lawsuit.

We value every customer and deliver a high-quality insurance products with the best service. Get a quote today by simply calling us at 630-908-7200.