Is your current business insurance coverage still meeting your company’s needs?

Workers’ compensation insurance protects people by assisting injured employees with medical bills, lost wages, and death benefits.

If your business uses commercial trucks or construction vehicles, you need a commercial truck insurance policy. This kind of policy can cover pickups...

A commercial umbrella policy safeguards your business against large, unexpected liability losses that exceed your primary coverage and that could force your business to shut down. It provides another layer of coverage in addition to your primary coverage...

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.