Your business can be much more
profitable!
As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that take care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.
Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that’s right for you.
the services we provide:
- Builders’ Risk Insurance
- Business Interruption Insurance
- Business Owners Package Insurance
- Cargo Insurance
- Commercial Auto Insurance
- Commercial Earthquake Insurance
- Commercial Property Insurance
- Commercial Trucking Insurance
- Commercial Umbrella Insurance
- Contractor’s General Liability Insurance
- Cyber Liability Insurance
- Directors and Officers Liability Insurance
- Employment Practices Liability Insurance (EPLI)
- Farm / Agribusiness Insurance
- Garage Insurance
- General Liability Insurance
- Hotel & Motel Hospitality Insurance
- Key Person / Employee Insurance
- Kidnap & Ransom Insurance
- Liquor Liability Insurance
- Manufacturers Insurance
- Medical Malpractice Insurance
- Non-Profit Insurance
- Non-Emergency Medical Transportation
- Product Liability Insurance
- Professional Liability (Errors & Omissions) Insurance
- Restaurant & Bar Insurance
- Special Event Insurance
- Surety Bonds
- Technology Insurance
- Vineyard & Winery Insurance
- Wholesalers & Distributors Insurance
- Workers’ Compensation Insurance
Business Owners Package Insurance
Business Owners Package policy, commonly called a “BOP”, contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.
Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.
