Business Insurance


Business Insurance

For a business, many different types of insurance exist including property insurance, liability, commercial auto, workers compensation, group health, life, disability income, "key man" insurance and others.

Below are some of the more common types of coverage available, however this is not a complete list and, as always, we recommend you contact us to thoroughly review the needs of your business.

Business Owners & Workers Compensation

• Business Owners Policy (BOP)
• Workers Compensation Insurance

Property & Liability Insurance
• Property Insurance
• Liability Insurance
• Business Interruption
• Excess Liability / Commercial Umbrella

Commercial Vehicle Insurance
• Commercial Automobile
• Fleet Commercial Automobile
• Garage Automobile
• Non-Owned/ Hired Automobile

Specialty Liability
• Professional Liability
• Errors & Omissions Liability
• Directors and Officers Liability
• Pollution Liability
• Marine Liability

Miscellaneous Commercial Insurance
• Ocean Marine / Hull & Cargo
• Boiler & Machinery
• Crime
• Libel & Slander
• Special Event

Business Life Insurance, Disability & Benefits
• Disability Insurance
• Funding of Buy-Sell Agreements
• Key Man Coverage
• Group Benefits

If you don’t see something that fits your business model, contact us today for a custom business insurance plan that fits your business.

BOP – Business Owner's Policy

A BOP is a package policy typically combining General Liability and Property Insurance, along with other optional coverage, for small to medium sized businesses in lower risk business classes. A BOP may be available depending on the type of business, annual sales, number of employees and other factors.

A BOP typically includes General Liability to cover your commercial liability and property insurance for physical assets, such as contents, that are leased or owned. The package insurance policy may also cover loss of business income and extra expense resulting from a covered loss.

The General Liability insurance coverage of a BOP is comparable to a typical Commercial General Liability (CGL) policy, providing protection against claims of bodily injury or property damage for which your business may be liable.

The General Liability portion typically provides liability insurance for the cost of defending lawsuits stemming from:

• Accidents that cause bodily injury and/or property damage.

• Claims such as libel and slander.

• False advertising.

*General Liability insurance does not cover errors or negligence from professional services.

A BOP policy may include, or you may be able to select as an option;

• Outdoor Sign Insurance

• Money and Securities Insurance

• Employee Dishonesty Insurance

• Water Back Up Insurance

Not all businesses are eligible for a BOP policy. If your business has any of the following characteristics, you may not be eligible for a BOP. But don't worry, we can assist you with obtaining other forms of commercial insurance. Characteristics typically not eligible for a BOP policy include:

• Large Premises Operations.

• High risk or highly specialized operations.

• Majority of business conducted off-premise.

• Requires liability limits higher than offered with a BOP.

Typically a BOP policy is very competitively priced, however remember the BOP does not provide coverage to items such as Workers' Compensation, Professional Liability Exposures or Commercial Auto Insurance.

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Note: As stated in our "Terms of Service" (TOS) agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply, or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies you are contemplating purchasing.