Business & Commercial Insurance

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel. In fact, many business people use the same vehicle for both business and pleasure. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do.

Commercial Liability

Unfortunately for every business owner, in our litigious society the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.  From general liability for customer injuries, property damage and advertising injuries to professional liability insurance for disputes over the quality of services, almost all businesses need liability inusrance.  

Workers Compensation
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.