For all your Commercial Insurance needs!
Commercial insurance is designed to safeguard your company — whether you're a small business owner or managing a large operation. From liability and property damage to employee protection and legal coverage, these policies help ensure your business stays resilient, no matter what comes your way.
Liability Insurance
Protects your business from financial loss due to claims of injury, property damage, or negligence. It's one of the most essential coverages for businesses of any size.
Coverage highlights:
- Bodily injury to third parties on your premises
- Property damage caused by your business operations
- Legal fees and defense costs
- Personal and advertising injury (e.g., slander or copyright infringement)
Auto Insurance
Covers vehicles used for business purposes — whether you're making deliveries, transporting tools, or visiting clients. Personal auto policies typically don’t cover business use.
Coverage highlights:
- Liability for accidents involving business vehicles
- Collision and comprehensive damage
- Uninsured/underinsured motorist coverage
- Medical payments for drivers and passengers
Umbrella Insurance
Adds extra liability protection when your primary policy limits (like general liability or auto) are maxed out. It’s a financial safety net for large or unexpected claims.
Coverage highlights:
- Extends coverage beyond general liability, auto, and employer liability limits
- Helps protect against catastrophic losses
- Affordable way to increase total coverage
- Ideal for high-risk industries or businesses with significant assets
Worker's Compensation Insurance
Covers employees who are injured or become ill due to job-related activities. It’s required in most states and helps protect both workers and employers.
Coverage highlights:
- Medical expenses and rehabilitation for injured employees
- Lost wages during recovery
- Disability benefits
- Protection from employee lawsuits related to injuries
Disability Insurance!
Provides income replacement when an employee can't work due to a non-work-related illness or injury. It's a valuable benefit that supports employee well-being and financial security.
Coverage highlights:
- Partial wage replacement during short- or long-term disability
- Helps employees maintain financial stability
- Encourages faster recovery and return to work
- Required for employers in some states (e.g., NY State Disability Insurance)
Beyond the Basics: Other Commecial Insurance Options
Every business is unique, and sometimes you need coverage that goes beyond the essentials. We also offer specialized policies including:
- Professional Liability (Errors & Omissions)
- Cyber Liability
- Business Interruption Insurance
- Product Liability
- Contractor’s Insurance
These options help fill gaps in your protection and give you peace of mind tailored to your industry and specific risks. Let’s talk about what your business needs most.
Frequently Asked Questions (FAQs)
How do I know what types of commercial insurance my business needs?
Your coverage depends on your industry, size, and specific risks. A professional broker can assess your business and recommend the right mix of policies, such as general liability, commercial auto, workers’ comp, and more.
Can I bundle different commercial insurance policies?
Yes, bundling multiple policies with one insurer often leads to discounts and simplifies management. Common bundles include general liability, property, and commercial auto insurance.
What happens if my business has a claim?
If you have a claim, notify your insurance company immediately. They’ll guide you through the claims process, which typically includes documentation, investigation, and settlement or repairs based on your policy.
How often should I review and update my commercial insurance policies?
It’s best to review your policies annually or whenever you experience significant business changes, such as growth, new locations, new employees, or changes in operations.
What factors affect my commercial insurance premiums?
Premiums depend on your industry, business size, claims history, location, coverage limits, and risk management practices. Maintaining a safe workplace and bundling policies can often help lower costs.
Can I insure leased or rented business property?
Yes! Commercial property insurance can cover leased or rented spaces and equipment, but make sure your policy clearly states the coverage limits for rented property.
How do deductibles work in commercial insurance?
A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your premium but means more upfront costs if you file a claim.
Can I get coverage for contractors or subcontractors?
Yes. Depending on your policy, you can extend coverage to contractors and subcontractors working for your business, but it’s important to review the terms carefully to ensure they’re protected.