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Commercial insurance is so important for your business! Anything can happen and it’s best to be covered. We will assess your exact needs and provide you with the best insurance for your business. For types of coverage and more information, read on or give us a call at 949-450-1822.
Quality Commercial Insurance Can Protect Your Business
There are many types of commercial insurance policies you can buy. Protecting your business with the right kind of policy is important and having a professional insurance agent that understands these types of insurance concepts is even more important. Choosing the right type of insurance can not only save your company money but also can save it from ruin.
Common Commercial Insurance Types:
Commercial General Liability – By far the most common commercial insurance bought. This type protects your business from bodily injury or property damage lawsuits. More specifically, when a customer injures themselves at your place of business or when an employee damages property at a client’s business place.
Commercial Auto Liability – This provides coverage for liability suits brought against you and/or your company due to car accidents. Commercial auto insurance is broader and provides coverage to the company and your employees in your commercial vehicle.
Workers Compensation – Provides wage replacement and medical benefits to employees for on-the-job injuries regardless of negligence. Workers’ compensation protects the employer from getting sued by the employee, required by state law.
Errors & Omissions (E&O) – AKA Professional Liability. E&O is a form of liability insurance that covers professionals from damages caused by their negligence to a client.
Directors & Officers Liability (D&O) – Protects directors and officers of a company or the organization itself from losses caused by wrongful acts in their capacity as directors and officers.
Employment Practices Liability Insurance (EPLI) – Protects your organization against employee lawsuits such as sexual harassment, wrongful termination, invasion of privacy, discrimination, breach of contract, emotional distress, wage and hour law violations, and false imprisonment.
Business Income – AKA business interruption insurance. This covers the loss of income that your business may suffer after covered peril that provides an income stream while you re-build.
Inland Marine – Covers specific machinery, equipment, and/or goods at your place of business or in transfer on land and property.
Commercial Property – Covers your business personal property.
Garage Liability – Coverage for entities that work on automobiles. Protects your business from bodily injury and property damage caused by the operations of an auto garage.
Garage Keepers – This insurance covers a client’s vehicle while it’s being serviced at a covered location.
Commercial Earthquake – Protects your business property and/or building along with income protection from an earthquake loss.
Commercial Flood – Protects your business property and/or building along with income from a flood loss.
Cargo Liability – Provides coverage in the event of damaging the cargo of others or the cargo of others being stolen in the process of being shipped.
Commercial Umbrella – Provides excess liability limits when the limits of underlying policies such as commercial general liability and commercial auto liability are exhausted by the claim amount. The coverage picks up where the underlying policies’ liability limits stop.
These are just a few of the different kinds of insurance you can buy. Every business is different, so finding the right coverage at the right price is what we do.
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