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Business & Commercial Insurance Information

Commercial Auto
As a business owner, you need the same kinds of insurance coverages for the vehicle you use in your business as you do for a car used for personal travel-liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. To ensure you have sufficient auto liability coverage contact us today. 

General Liability
General liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage. If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. 

General liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection:
  • Bodily Injury
  • Property Damage
  • Products-Completed Operations 
  • Products Liability 
  • Contractual Liability 

Other coverage includes: reasonable use of force; borrowed equipment; liquor liability; non-Owned vehicles (such as aircraft and watercraft); fire, lightning or explosion damage; water damage liability protection; legal defense costs; medical payments; personal injury; advertising injury and specialized liability protection for specific business types.

Workers Compensation

Workers' compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers' compensation insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of workers' compensation insurance. Workers Compensation Insurance is designed specifically for injuries sustained on the job, it is not health insurance.

Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. In most states businesses are required to buy workers' compensation insurance. This protects the employer from lawsuits resulting from workplace accidents and provides medical care and compensation for lost income to employees hurt in workplace accidents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers' compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.


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