Staying up-to-date on everything for your business can be difficult, but understanding Business insurance doesn't have to be. Coverage options are available to protect just about every aspect of your business from employee injury to natural disasters.
While some insurance is required by law, lenders and landlords might require you to carry additional coverage. Obtaining the right type and amount of insurance for your business will help you avoid gaps in coverage where you need it most.
Minimum Coverage Options
Property Insurance can help when disasters like fire, vandalism, flooding and windstorms strike to help with repairs or replace damaged physical assets.
Liability Insurancehelps during financial losses from possible injury or property damage claims caused by you, your employees, products or services.
Workers' Compensation Insurancecan satisfy your employees' medical needs in the event of an accident or disease and make a quick return to work possible, while removing lawsuit potential by current or former employees.
Business Auto Insurance can get you on the road again quickly after an accident and ensure your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.
Business Crime Insurance can protect against fraud, theft, forgery or robbery.
Additional Insurance Options
Employment Practices Liabilitycan cover your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.
Life Insurance for Business Owners can help you plan for business succession, survive the loss of a key employee or partner and retain/reward your top people.
Retirement and Benefits for Business Owners can secure your financial future and that of your employees.
Umbrella can shield your business from potentially ruinous lawsuits with additional liability coverage.
Bailee can protect against damage to customers' goods, including jewelry and clothing.
Transportation and Cargo to cover against goods that are damaged or lost when transported by one of your vehicles or common contract carriers.
Spoilagefor perishable goods when they spoil due to a mechanical breakdown or power outage.
Delivery/Catering Non-Owned Auto if an employee is involved in an auto accident while driving a personal automobile on company business, such as in a delivery or catering service.