Business Insurance

In today’s litigious society, even small mishaps can result in large lawsuits. That’s why general liability insurance, along with property and worker’s compensation insurance, are essential for most companies. Liability insurance protects the assets of a business when it is sued for something it did (or didn’t do) to cause an injury or property damage

General liability insurance can be purchased separately or as part of a business-owner’s policy (BOP). A BOP bundles property and liability insurance into one policy; however the liability coverage limits are generally pretty low. Businesses that need more coverage usually purchase umbrella insurance as a separate policy. Three types of insurance are available to protect your business: property, liability and worker’s compensation. Workers’ compensation insurance is required by law in all 50 states

Large companies and businesses that are considered high risk usually don’t meet the criteria for a BOP. The criteria for BOP eligibility includes the size of the premises, the required limits of liability, the type of business and the extent of offsite activity. Premiums for BOP policies are based on such factors as business location, financial stability, building construction security features and fire hazards

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Our Advice

Your business is one of the most important investments in your life. One of the most important segments of your business is to have the right protection. You, as a business owner, should not try to get any quotes online and DO NOT even consider to purchase your commercial policy online before you speak to a business licensed professional, who will be able to understand your insurance needs as well as the type and nature of your business.

Please note: Although property and liability insurance are not always mandatory, it makes sense to protect all of your company assets with property and liability insurance.