Business & Commercial Insurance
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Business & Commercial Insurance Information
Business Owner's Policy (BOP)
The Business Owner Policy can contain numerous coverages in one policy; including general liability, professional liability, cyber/data liability, physical property damage, tenant's liability, loss of income and business interruption, and more. Lines of coverage generally available within a BOP include:
- General Liability
- Professional Liability
- Care, Custody, and Control coverage
- Loss of Business Income
- Business Interruption
- Inventory coverage
- Coverage for buildings and equipment
- Advertising injury
- Cyber/Data-Loss coverage
- Much more
Commercial auto coverage is different than insurance for personal vehicles and it is required for vehicles that are used during the course of business. Business owners still need the same kinds of insurance coverage for the auto used in the business as for a car used for personal travel -- liability, collision and comprehensive, personal injury protection), and coverage for uninsured motorists. Many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do and a
few common examples include:
- Contractor pickups, vans, and service vehicles
- Fleet vehicles
- Box trucks and Delivery trucks
- Tow trucks
Stand-alone general liability is for those business that don't qualify for a BOP, such as some manufacturers, general contractors, and other businesses.
Broad Range of General Liability Protection
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
Worker's compensation is critical to anyone with an employee.
In most states, businesses are required to carry Worker's Compensation coverage.
Do I need worker's compensation insurance?
Employers have a clear legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy worker's compensation insurance.
Worker's compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Worker's compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.