Commercial insurance is designed to help protect many of the risks your business can face, including:
- damage or destruction to your business vehicles
- certain liability exposures resulting from the operation of your business vehicles
- damage or destruction to your office equipment or inventory
- loss of income in case you have to close-up shop temporarily because of a covered loss
- certain business related liability exposures such as, wrongful entry or search, libel, slander and even certain offenses arising out of your business's advertising
- risks to your cargo while in transit or storage
- theft or loss of tools and equipment
- crime coverage including robbery, burglary, even employee dishonesty
What are my coverage options? |
Our policies have a wide range of coverages available, as well as an array of choices for limits and deductibles. (See important note below.)
If you're a small business owner, there's a good chance that our Policy can help provide some of the coverages you need. For larger businesses, our Business Package may be more appropriate. Consider enhancing the basic coverages available – Commercial Automobile Insurance , General Liability Coverage and Business Property Protection – with the following optional coverages:
- Cargo Coverage: Helps protect your cargo or inventory while in transit or during storage.
- Tool and Equipment Coverage: Helps protect your tools and equipment used in your business while on your vehicle or at the job site.
- Business Interruption Coverage: Helps protect against loss of income (for up to 12 consecutive months) resulting from a covered loss.
- Crime Insurance: Helps protect against loss from burglary, robbery, even employee dishonesty.
- Umbrella Excess Liability Insurance: Provides higher liability limits, over the primary or underlying liability insurance.
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Commercial Automobile Protection (Coverage)
Commercial Automobile Insurance includes:
- Liability Coverage: In case you're sued as a result of an auto accident.
- Collision Coverage: Helps cover physical damage to your vehicle due to collision or upset.
- Comprehensive Coverage: Helps cover physical damage to your vehicle due to fire, theft and glass breakage.
- Rental Reimbursement Coverage: Helps cover the cost of a replacement vehicle for a specified period of time when your vehicle is disabled due to an insured loss.
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General Liability Coverage
General Liability Coverage includes:
- Bodily Injury Liability Coverage: Help protect you for injuries to other people resulting from your operations.
- Property Damage Liability Coverage: For damage claims to property of others.
- Personal Injury Liability Coverage: Helps provide you with protection for such offenses as false arrest, libel, slander and wrongful entry.
- Advertising Injury Liability Coverage: Helps cover your legal liability for a variety of offenses arising out of the advertising of your business's goods and services
Business Property Protection
Business Property Protection Coverage helps protect your building and contents in case of direct physical loss
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