Business Owner Policies (Commercial Coverages)

As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.

Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers' compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers' compensation insurance covers injuries to employees.

Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that's right for you.

My Benefits Package provides the following types of business insurance protection:

• Auto Insurance
• Business Owners Policy (BOP)
• Business Interruption
• Directors & Officers Liability
• General Liability
• Professional Liability (E&O)
• Property
• Surety Bonds
• Umbrella Insurance
• Workers Compensation

General Liability & Property Insurance policy

You need to protect your business from unforeseen legal action, like getting sued for bodily injury to your employees or your customers or property damage. A General Liability Insurance policy offers you financial coverage from such unforeseen events. 

Benefits of General Liability & Property Insurance policy

• Bodily Injury Coverage – Covers cost of care, and the loss of services resulting  from injury
• Property Damage Coverage – Covers physical damage to property of others, or loss of use of a property 
• Product Liability Coverage – Covers any product-related injury or accident
• Products-Completed/Services Rendered Coverage – Provides liability protection from injuries resulting from product or service of your company
• Others – Provides protection from Non-Owned Vehicles (such as aircraft and watercraft) liability, Explosion Damage, Water Damage liability, Advertising Injury, etc.

(Note: General Liability Insurance will not protect your business from professional errors, omissions, or negligence.)

General Liability Insurance can get complex, and not all insurance companies are forthcoming about full coverage details. We make it a point to fully apprise you of all the components of your insurance policy before you purchase it.

Find out how you can protect your business from general liabilities by contacting us today.

Commercial Auto Insurance

If your business owns vehicles, or involves the use of vehicles, you need commercial auto insurance. A commercial auto insurance policy will protect your vehicles, and let you focus on your business more productively.

Commercial auto insurance provides comprehensive protection for bodily injury and property damage caused by company-owned vehicles, as well as non-owned vehicles, used for the business. Be sure to read the fine print, because not all insurance companies will disclose the hidden components of the policy up front.

Before buying commercial auto insurance, make sure that the insurance company’s credentials are intact. Also ensure that the specifics of the agreement are outlined in the contract. After all, you don’t know when or how you’re going to need it.

Simply contact us now.