Types of Commercial Insurance

Contractors & Construction

Service Businesses

Retailers

Whats Included

Commercial General Liability

Commercial general liability insurance is designed to protect you and your business from a loss if you’re found legally liable for bodily injuries or property damage to a third party caused by the product you sell or the service you provide. CGL insurance can also offer protection in situations where you or your staff are conducting business offsite.

Fire and Vandalism

Protect your business against damages such as fire, theft, or any damages done simply for the sake of causing damage, otherwise known as Malicious mischief.

Loss of Income

Loss of income insurance compensates you for your lost income while your business operations have been temporarily interrupted due to an insured loss.

Commercial Vehicle Insurance

Commercial Vehicle Insurance Protects the vehicles that are driven in your business against unexpected accidents.

Umbrella Insurance

This policy supplements those of a Commercial General Liability (CGL) and Automobile policy, as well as additional liability coverages not contained in the CGL.

You Can Also Add

Business Interruption

Business interruption insurance covers lost income and expenses resulting from property damage or loss.

Flood

Flooding Insurance protects your business asset from many damages caused by water overflows due to natural disasters such as storms.

Earthquake

Commercial Earthquake insurance covers catastrophic events that result in losses that your business cannot afford.

Sewer backup

This optional coverage protects your business property from damage caused by the escape of water from a sewer, drains, sump pit, or septic pump.

Errors and Omissions

Errors and Omissions (E&O) insurance covers inadvertent mistakes or failures that cause injury to a third party. The act must actually be an inadvertent error, and not merely poor judgment or intentional acts.

Extended Business Income

Extended business income coverage would protect against a loss of Business Income that continues after the shop has resumed operations and the period of restoration has ended.

Glass Insurance

Glass insurance covers broken store windows and plate glass windows.

Plus Many More

Contact our agents today, and ask about the many other endorsements that you can add to your insurance policy.

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