Insurance Policy Types

Worker’s Comp: Worker’s compensation insurance protects your workers if they get sick or are injured as a result of their job. It covers the employee’s medical expenses and the cost of any rehabilitation they may need, plus reimburses them for their lost wages.

Commercial General Liability: CGL insurance covers you in the event of a claim that your business was the cause of property, bodily, or personal injury (ie slander or libel.) It covers the cost of the damages you’re legally obligated to pay if your business was at fault. CGL will also cover the cost of legal defense.

Professional Liability (D&O, E&O): This protects your business from errors, omissions, or negligent behavior that cause harm to your customers.

Cyber Liability and Data Breach: Cyber liability coverage was designed with today’s ever growing dependence on technology in mind. It’ll protect your business from risks related to your computer system.

BOP: A Business Owner’s Policy, or BOP, is a type of insurance policy that combines property, liability, and business interruption coverage for a small to medium-sized business. Having a BOP might save you money since it’s usually less expensive than acquiring these coverages separately.

Commercial Auto: Commercial auto policies are designed to protect the vehicles that are used within your business. A commercial auto policy might include: collision coverage, medical payments, comprehensive coverage, property damage liability, and uninsured motorist bodily injury.

Commercial Property: Commercial property coverage protects you if your premises is damaged by disasters like storms, fires, and vandalism.