business-insurance-coverage-contractor

Property Insurance
A commercial property insurance policy covers losses to “real” property – buildings; furniture, contents, equipment, fixtures, inventory and business income/extra expense.

Liability Insurance
General Liability insurance protects against liability for bodily injury, property damage, or personal and advertising injury.

Workers Compensation
Workers’ compensation insurance covers business owners if an employee is injured on the job. It can also help injured employees return to work quickly with little or no loss of income. Employers pay all of the costs of workers’ compensation insurance.

Business Auto
This coverage includes protection for one or a fleet of vehicles and the drivers. Most coverages are similar to personal auto insurance coverage, but additional coverages are sometimes necessary, such as coverage for employees using their own cars for company business, and coverages for cars you lease or rent.

Commercial Umbrella
This policy provides coverage that creates an “umbrella” of liability protection over all your other commercial property and liability policies, above and beyond what your standard policy offers.

Inland Marine
Inland Marine insurance is designed to protect property while in transit, along with high-value mobile items like tools and equipment. It is an important coverage for business owners who travel for work, such as carpenters, plumbers or interior designers.

Directors & Officers
D & O coverage protects individuals and companies against allegations involving breach of fiduciary duty, inadequate disclosure, violation of anti-trust laws, deceptive trade practices, as well as others.

Employment & Related Practices Liability
Employment Related Practices coverage covers you, your corporation, your directors, officers and employees from actual or alleged wrongful acts related to employment and workplace disputes, as well as from unexpected legal fees and judgments.

Other Business Coverages:
– Environmental
– Liquor Liability
– Home Business