Business / Commercial Insurance

Commercial Property protects the future of your business against direct physical loss of or damage to your assets, including the building in which your business operates, the property housed there, equipment and inventory. Commercial Property can also pay for actual loss of your business income as a result of direct physical loss of or damage to property at your business premises.

Commercial General Liability helps protect businesses from claims involving bodily injury, property damage, and personal or advertising injury. Additional coverage options include Liquor Liability for businesses that serve alcohol, and Employment Practices Liability Insurance (EPLI) for small to mid-sized companies facing employment-related claims.

Commercial Auto provides required liability, personal injury protection, uninsured motorist and underinsured motorist coverages, as well as optional coverages such as physical damage protection for automobiles owned, leased, or hired by the named insured.

Workers Compensation is required by law and provides medical coverage and income replacement for employees who sustain personal injury either by accident in the course and scope of employment or by disease caused by or resulting from the nature of the employment.

Commercial Umbrella Insurance provides extra liability coverage when the limits of your auto, general liability, or employer’s liability policies are exceeded. It’s a valuable layer of protection for businesses facing high-cost claims.

Commercial Inland Marine Insurance covers property that moves or isn’t confined to a fixed location. This includes mobile equipment, transportation and communication tools, electronic data, and legal liability for items in your care.

Garage Liability covers the legal liability of automobile dealers, garages, repair shops and service stations for claims of bodily injury and property damage arising out of business operations.