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BUSINESS INSURANCE

Coverage and risk management solutions for companies of all sizes.

Business insurance protects your small business from financial damages that can result from accidents, property damage, professional errors, workers compensation claims and other situations. Having accurate coverage is critical in minimizing the negative impact of claims against your business.

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A business owner's policy ("BOP") includes both general liability insurance and commercial property insurance, sometimes called business hazard insurance. Together, they provide liability and property coverage for your small to medium sized business. 

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General Liability protects your business from another person or business’ claims of bodily injury, associated medical costs and damage to their property.

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Commercial auto insurance provides a variety of coverages for cars, trucks, vans and other vehicles used by your business.

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Business property insurance is coverage that can protect your company’s physical assets from unexpected events, including fires, windstorms, theft and vandalism. Physical assets covered by commercial property coverage could include the business property you own or rent, office equipment, furniture, fixtures, inventory and other items you count on to support your daily operations.

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Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.

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Commercial umbrella insurance provides an extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been reached.

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Cyber liability insurance protects your business against the expenses associated with a hack or data breach. In today's environment, having this coverage is crucial for most businesses.

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EPLI, or employment practices liability insurance, covers litigation alleging discrimination, sexual harassment, retaliation, and other employment-related issues. 

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Errors & omissions liability insurance protects any business that gives advice, makes professional recommendations, designs solutions or represents the needs of others. 

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Directors and Officers Liability insurance (D&O insurance) offers liability coverage for company managers to protect them from claims which may arise from decisions and actions taken as part of their duties. Today’s increasingly complex legal environment means businesses face a heightened prospect of liabilities and litigations, often driven by “adverse news events”. Companies usually purchase D&O insurance because lawsuits are expensive, and the costs associated with them are rising. Moreover, if companies do not have a good D&O insurance program in place it is unlikely that they will be able to attract top managerial talent, given the potential risks involved.