Commercial General Liability

General liability insurance covers claims of bodily or other physical injury or property damage. It is frequently offered in a package with Property insurance to protect your business against incidents that may occur on your premises or at other covered locations where you normally conduct business. Commercial General Liability enables your business to continue its operations while it faces real or fraudulent claims of certain types of negligence or wrongdoing.

Commercial Property

Business property insurance policies protect your property, as well as inventory or assets, against loss or damage caused by theft, an accident or some other means. Your business property insurance protects you even if the property is away from your place of business when it is damaged or lost. The policy covers your costs to replace or repair the property and, in some instances, compensates you for items that cannot be replaced.

Commercial Auto

A commercial automobile policy provides coverage for legal liability for others' bodily injury or property damage arising out of the use of your business vehicles. Physical damage coverage protects your vehicles in case of accident or damage caused by fire, hail, and other risks. You can designate coverage for owned vehicles as well as leased, hired and/or borrowed vehicles. Additional coverage options are also available.

Workers Compensation
This type of business insurance coverage pays for medical and disability expenses for employees who suffer injuries or illnesses related to their jobs. Rates for workers' compensation are based on your company's payroll and services. Many states allow owners, partners and officers of a company to exclude themselves from workers' compensation coverage, saving the company money on premiums.

Commercial Umbrella

With an umbrella liability policy in place, there are fewer worries about depleting valuable business assets or future income to cover catastrophic liability claims. An umbrella liability policy supplements your existing policy's general liability, auto liability and employers liability limits.

Professional Liability / Errors & Omissions
While general liability insurance is primarily focused on property damage or bodily injury, professional liability insurance, also called errors and omissions insurance, protects you if a client claims that your services caused them to suffer a financial loss. Professional liability insurance protects you and your business from potentially catastrophic litigation caused by charges of professional negligence or failure to perform your professional duties. This might include errors and omissions resulting in loss of client data, software or system failure, claims of non-performance, or negligent oversell. If you are a subcontractor working on a client site, your client may require that you provide proof of General Liability and Professional Liability insurance.

Directors & Officers
Directors and officers liability coverage helps protect the personal assets of your directors and officers from litigation due to alleged mismanagement of the company. It provides cash to pay for the attorneys defending them, regardless if they were negligent. It may even provide some defense of directors and officers accused of legal violations. It also can be extended to cover the company itself if it is brought into a lawsuit against its directors and officers.

Bid & Performance Bonds
When you are bidding a large project, bonds protect both you and your potential client and bring you closer to signing the deal. Designed to streamline the contract process, bid and performance bonds protect both parties. Bid bonds guarantee that you'll get the job if your bid is accepted. Performance bonds hold you to quoted cost and time estimates once you get to work, and promise payment to any applicable subcontractors.