Business owners should carefully consider their Commercial Insurance needs, which offer a range of vital protection related to the business. From vehicles to property and the employees within the business, owners can safeguard their investment and lessen the risk of a scenario affecting its growth and presence. The following areas represent some of the primary Commercial Insurance needs that any business should approach.

Bodily injury, property damage, personal injury, and advertising injury are covered with a CGL policy. A convenient catch-all type of policy, many businesses can use it as a starting point for their insurance needs – in terms of liability.

A commercial property insurance policy could be thought of as a commercial version of a Home policy. You will find similar covered items, such as fire, theft, and natural disasters that pertain to the business property. If your business has some type of physical location, it would require a property insurance policy.

Workers that are hurt on the job can rely on workers compensation for lost income and medical expenses. This coverage is commonly required by employers, and it often extends to temporary employees as well.

Small business owners can take care of many needs in a BOP policy – it often includes vehicle, property damage, business income, property, and bodily injury, as well as other types of basic insurance needs.

Business owners can compare quotes online using an independent agency. This is a valuable option that can save time and money, where owners can receive quotes from several top-tier insurance companies at once.

Errors and Omissions Insurance (E & O)
Business liability insurance covers many things related to property damage and injuries that could go wrong. When something else goes south, like a shoddy repair job or a misprint, error and omissions insurance protects against losses that your regular insurance won't cover. Errors and omissions insurance protects you and your business if a customer sues you for errors, negligent acts, or omissions that happened in the midst of business activities that may have cost the client. Even the most experienced professional can make a mistake and error and omission insurance is here to help protect you.

Should I Get E & O Insurance?
Any business owner that provides services to clients for pay should have E & O insurance. E & O Insurance covers hourly and salaried employees as well as the subcontractors and the business owner in case of a mishap.

Different Kinds Of E & O Insurance
E & O insurance policies vary depending on the type of company needing coverage. These policies are set up to protect businesses and business owners from common complications and regular risks that may occur in the course of business. Even if the error occurred in the past, your client is still able to file a claim. Protect your business and yourself today with an error and omission policy!

Professional Liability / Malpractice Insurance

Malpractice Insurance is a type of professional liability insurance that protects those in healthcare professions from lawsuits in relation to wrongful practices. These practices may result in injury, expenses, or damage. Protect yourself, and your business from loss with malpractice insurance from.

A vehicle that is used within the context of business must have its own policy; a personal car insurance policy is not enough, as it won’t cover items that relate to business. If your business uses vehicles to perform routine or even occasional operations, a commercial auto policy is a must.

Commercial Fleet Insurance

• Commercial fleet insurance coverage is typically defined as any policy with 5 or more vehicles registered in a company name (but some insurers may require 6 or sometimes even 7+ units to qualify) for fleet rating.
• You can purchase fleet insurance to cover liability risks for all of your company’s vehicles. These can include cars, buses, vans, SUVs, and trucks from construction vehicles to tractor-trailers.
• Fleet insurance will provide liability insurance coverage for all of your company’s vehicles in one policy. Often, these policies provide provisions to allow employees of your company to drive any vehicle in your fleet and be covered if they cause an accident.

Semi-Truck Insurance
A semi-truck insurance policy can cover individuals or businesses that use LVGs, HGVs, or another type of semi-truck, providing specialized coverage for refrigerated vehicles, goods that are in transit, goods in storage, warehousing, and deterioration of stock and hazardous goods as well. Whether you have one vehicle or a large fleet of them, we can help find a policy for you. We have coverage available for business interruption, plus loss of use, and yard risk and offices too.