Business Insurance

Business Insurance

240_F_214552670_Ujcqc4VZeyYJK3vgHgXP9JRLYfohWwprGeneral Liability
General liability insurance insures your business against lawsuits due to bodily injury, personal injury, property loss or advertising injury. If a complaint goes to court, your insurance benefits would pay for your legal fees and for damages awarded to the plaintiff. General liability insurance secures your business’s financial assets when you are involved in litigation due to an accident or mishap.


Professional Liability240_F_167950272_J8KYvlVRyDPqkRDWfcZRJumTfKtlrxt0
Type of liability insurance that protects professionals such as accountants, lawyers, doctors, engineers and architects from malpractice claims brought by clients or third parties for neglect, error or omission. These are causes for legal action that would not be covered by a general liability policy.


Commercial Umbrella/Excess Liability

Commercial Umbrella/Excess Insurance provides businesses with additional liability coverage to help protect them against the potentially ruinous costs of claims. Significant assets can be at risk when businesses are the target of lawsuits. If the cost of a claim exceeds the limits of a business’s underlying primary insurance policies, Commercial Umbrella/Excess Insurance extends liability coverage for an additional layer of insurance to further protect business assets.


240_F_139449082_bpfF1s9zGCR8Pb4fxpS9VgSUhcacURVwCommercial Auto
Commercial automobile policies typically cover vans, trailers, trucks, and cars used in your business. The type of coverage you need will depend on several factors, including the type of vehicle(s) you own or operate, your industry, usage frequency and average travel distance.


Worker’s Comp

Workers’ compensation insurance provides coverage for on-the-job injuries that employees sustain. Various state laws require businesses that have employees to carry some type of workers’ compensation insurance.240_F_181558170_PHkW7ViVNRGnzjlTWXYoKqg4VzuB2nTH

In order for Workers’ Comp coverage to apply, the injury must arise from, and be related to, the injured worker’s job duties. Workers’ Comp also covers related costs for death, disability or disease that occurs as a result of the workers’ comp accident.


Property

Property Insurance is a first-party insurance that protects the insured against loss of property accumulated or loss of property to be earned. Property insurance coverage may include physical damage or loss, loss of income and extra expenses, inland marine, boiler and machinery, and crime coverage.


Directors & Officers Liability (D&O)

会議室イメージInsurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions. In effect, the policies function as “management errors and omissions liability insurance,” covering claims resulting from managerial decisions that have adverse financial consequences.