Why do I need Business Insurance?

Coverage for the contractor! This helps protect your business from claims that may cause bodily injury or property damage to others. 

This helps cover claims related to mistakes in the professional services that your business provides. 

This can help replace lost income if you can’t operate because of covered property damage. This includes damage from fires, storms or theft.  

Commercial property insurance protects your company's physical assets from fire, explosions, burst pipes, storms, theft and vandalism. Earthquakes and floods typically aren't covered by commercial property insurance, unless those perils are added to the policy. 

This provides benefits to employees if they get a work-related injury or illness.  Most states require businesses to have this coverage if they have employees.

 Its cheaper than you think!!! 

BUT!!!

 Very Expensive if you go without $$$  

Commercial Auto Insurance protects your commercial vehicles you use and operate for your business.  

Also, provides Bodily Injury and property damage to others if there is an unexpected claim while operating your vehicles

This extends for higher limits over your Commercial General Liability Policy that your business has. So, if a claims cost exceeds your policy’s limits, commercial umbrella insurance can help cover the difference.

 Data breach insurance helps your business respond to a breach if personally identifiable information gets lost or stolen. It can help cover your costs to: 

• Notify impacted customers or clients
• Run a public relations campaign to improve your business’ reputation
• Offer credit monitoring services

 This is also known as employers’ liability insurance, helps protect your business from employment-related claims. This includes claims of: 

• Discrimination
• Sexual harassment
• Wrongful termination