No matter what field you’re in, business insurance can help you protect your dreams. Whether you’re a sole proprietor or you have a team of employees, having the right insurance is an essential element of financial protection.
Not sure what type of business coverage you need? Here are some common solutions that might be a good fit for you.
Business Insurance Coverages
Building coverage. If your brick-and-mortar space is damaged, our property coverage works hard to help you regroup and restore. We’ll also help cover the loss of income and extra expenses you incur while repairs are being made.
Auxiliary building coverage. If you have extra buildings and structures that help drive your business dream, we’ve got the protection you need.
Business personal property coverage. Make sure the equipment that drives your business — computers, copiers, tools, etc. — is protected too.
Business auto policy. A business auto policy gives you that much-needed liability, collision and comprehensive coverage your business vehicle needs.
Rental property damage coverage. Protecting your business space is important — whether you own or rent. We offer the coverage you need for repairs if there’s an accident when you’re renting.
Contractors insurance. This policy is designed for contractors with 10 or fewer employees and covers commercial liability, property and contractor’s equipment.
Business liability protection. Accidents happen — even at work. Make sure you’re protected from any bodily injury, property damage and/or personal and advertising injury expenses that arise from your business operations.
Medical expense coverage. Regardless of liability, this policy provides coverage for immediate medical care for injuries that take place where you’re doing business.
Commercial liability umbrella policy. This policy adds another layer of protection to your primary business liability coverages by giving you extra security against legal and financial incidents that could jeopardize your business dream.
Employment practices liability protection. Don’t let a lawsuit sidetrack your dream. This added coverage will protect you from court costs brought up by an employee.
Workers compensation and employers liability policy. Ensure that you’re meeting the insurance needs required by state workers’ compensation laws and regulations with this coverage.
Added Coverage, Extra Peace of Mind
Spoilage coverage. If you deal with perishable products — you need a backup plan. This coverage protects you from lost stock due to refrigeration or humidity control failure.
Back up and overflow coverage. If your sewer backs up or sump pump overflows, this coverage provides extra protection for your floors, walls and ceilings.
Employee dishonesty protection.You run an honest business, but not every employee has the same values. Protect yourself and your business from any losses employees could cause your business.
Flood insurance. Water damage resulting from floods could sidetrack your entrepreneurial dream. Safeguard your business with a flood insurance policy offered through the National Flood Insurance Program.