Also referred to as “commercial liability,” General Liability Insurance covers a business’s general liability exposures and minimizes financial risks, such as death or injury of an employee, lawsuit, or natural disaster.
This policy protects your business against the financial strain of property damage, theft, natural disasters and other covered losses at premises you own or rent. Coverage can include buildings, furniture and equipment, inventory, outdoor business signs, catastrophe such as fire, flood, wind and hail, theft/burglary, and more. Rates are based on how the occupied building was constructed, its location, age, size, and cost of replacement.
When your business relies on or uses automobiles daily, you need to make sure you are covered for any possible issues before you hit the road. Every second you are out on the road you face several risks that are, unfortunately, unavoidable. Commercial auto insurance is similar to your typical auto insurance, only it covers a few different areas to insure your employees along with your goods are kept safe. Without the added protection, you could run into serious issues that might make you and your business look bad.
Workers’ Compensation insurance is mandatory for most businesses as it protects both the business owner and their employees from job-related injuries. It covers medical care and any lost wages for the employee injured on the job, as well as protects the employer should a lawsuit arise. Your business depends on your employees. Make sure you keep your business running smoothly by protecting your employees and giving them confidence to work with you safely.