Businessowners Coverage
A few options to consider
GENERAL LIABILITY
Commercial general liability insurance coverage protects you, your business and your employees from claims involving bodily injury or property damage, up to the limits of your policy. Policies shield you from the expense of out-of-court settlements, litigation and judgments awarded by courts.
PROFESSIONAL LIABILITY
Sometimes referred to as PLI or PII, more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance which helps protect professional advice and service providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.
COMMERCIAL AUTO
Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they're typically exposed to more risk than personal vehicles.
CYBER-CRIME INSURANCE
Cyber-insurance is an insurance product used to protect businesses and individual users from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities.
EPLI COVERAGE
A type of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation.
COMMERCIAL UMBRELLA
Businesses are required to have general liability insurance. These policies cover most of the standard claims, like if your delivery truck accidentally crushes a Mini Cooper. Business umbrella insurance provides additional coverage to all the underlying policies (hence the name umbrella) that you hold for extra protection. The excess insurance can be anywhere from one million to several million dollars.
INLAND MARINE COVERAGE
Inland Marine coverage is not for amphibious assault teams or yachts trapped out on a prairie, despite what the name suggests. It's a type of Property Insurance that covers certain kinds of moveable property and other specialized items that standard Property Insurance policies can't cover. Many Inland Marine policies cover insured property no matter where it's located.
WORKERS COMP & DISABILITY
Workers' comp benefits are available to you if you are injured on the job. It covers lost wages and medical bills.There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD): Short-Term Disability policies - have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.