A commercial vehicle insurance policy provides coverage for vehicles that are used for business purposes. For example, you need commercial vehicle insurance if you or employees drive to multiple job or client locations each day, drive clients to a work event, transport tools and equipment to a construction site, or deliver goods to paying customers. 

Regular construction activities can result in sudden, accidental, or gradual pollution conditions. These can cause physical injury, damage property, require cleanup and result in legal defense costs. Contractors pollution liability (CPL) insurance offers coverage for these circumstances.

Business owners policies (BOP) offer smaller businesses the opportunity to secure both commercial property and liability insurance in a single policy. Some micro-BOPs are designed for businesses with a maximum of 4 employees. 

First, identify who has an insurable interest: who would suffer financial loss if the building is damaged or destroyed. Whoever is constructing the building—you or the general contractor—has an insurable interest from when construction starts through completion (you) or final acceptance and payment (general contractor).

There is nothing more critical for a small business than making sure your business is covered with the right type of commercial insurance. Commercial insurance will protect you from common situations any small business owner faces such as property damage, theft, liability, and employee injury.

Liability insurance is an important component to commercial insurance for your small business. The idea of possibly being sued can be very frightening to a small business owner and could have disastrous consequences for your business. Liability can provide protection and give you peace of mind.

Technology is growing by leaps and bounds and is a great benefit to people and businesses everywhere. Unfortunately, with the connectivity of technology there are also new and very real risks for businesses as well.

Most business owners already have a commercial property insurance policy. Commercial property insurance covers assets that are stored at the business location. If you suffer vandalism or a fire or flood, commercial property insurance would come to your rescue.

If the data is lost, stolen or damaged due to a security breach, you will have to notify the parties affected by the data breach. It may also cover the cost of providing credit monitoring services and establishing a call center.