Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
What should you know about Business Insurance?
Do you need Liability Insurance for my Small Business?
Why do you need Business Insurance?
Do you need Business Interruption Insurance?
What kind of insurance does your Business Need?
Just a few examples...there are more types than these:
Property and Casualty: Property insurance covers the phyaical location of the business (even if it is rented or leased) and its contents from things like fire, theft, flood, etc. Casualty insurance covers the operation of the business.
Commercial Auto: As a business owner, you need the same kinds of insurance coverages for the car 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.
General Liability: Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. 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.
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.
Do I need workers compensation insurance? Employers have a legal responsibility to their employees to make the workplace safe. In almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.