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Property & Casualty Business insurance is an essential part of business needs and planning or operating a Small Business. The nature of your business will help you determine what business insurance coverage you need to buy.
General Liability Insurance Coverage is a must for most businesses. It protects you against most risks and claims by third parties. In today’s time of one claim or law suit may cause damage or destroy your business.
Workers Compensation is required by law in most states. Workers Compensation insurance provides health and disability coverage for your company employees in the event of a work related illness or injury.
Professional Liability & Errors & Omissions Insurance is a must for businesses engaged in professional services. Professional Liability insurance, also known as Errors and Omissions insurance is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. Professional liability insurance is critical to your business. This coverage is separate from a General Liability policy which would cover you mainly for bodily injury or property damage liability.
Often referred to as a Business Owners Policy (BOP) protects your company in the event that a client is injured on your premises or if you or one of your employees injures someone or damages property at a client’s location.
If your business is to transporting people or goods using your company’s own vehicles then you should choose Commercial Auto Liability Insurance. Commercial Auto Liability will protect you in the event of damage or injuries to third parties, and Commercial Property Insurance will insure your vehicles and goods you may transport.
Business insurance protects you and your business with coverage for claims relating to injuries caused your employees at work or you have done an error resulting which led to financial losses for the client.