Commercial Lines

A Business Owners Policy combines property and liability coverage into one convenient package designed for small to mid-sized businesses. It helps protect your business property while also covering liability exposures.

General liability insurance protects businesses from claims involving bodily injury, property damage, or personal injury that may occur as a result of business operations.

Commercial property insurance helps protect your building, equipment, inventory, and other business assets from risks such as fire, theft, vandalism, and certain natural disasters.

Workers’ compensation insurance provides benefits to employees who suffer work-related injuries or illnesses. It helps cover medical expenses, lost wages, and protects employers from certain liability claims.

Commercial auto insurance provides coverage for vehicles used in business operations. This includes liability protection and coverage for physical damage to business vehicles.

Cyber liability insurance helps protect businesses from financial losses related to data breaches, cyberattacks, and other technology-related risks. Coverage may help pay for expenses such as data recovery, legal costs, notification requirements, credit monitoring for affected customers, and business interruption caused by cyber incidents.

Employment Practices Liability Insurance helps protect businesses from claims made by employees related to workplace issues such as wrongful termination, discrimination, harassment, retaliation, and other employment-related allegations. EPLI coverage can help with legal defense costs, settlements, and judgments, helping businesses manage the risks associated with managing employees.

Professional liability insurance, often referred to as Errors & Omissions (E&O) coverage, helps protect businesses and professionals from claims related to alleged mistakes, negligence, or failure to perform professional services. This coverage can help with legal defense costs, settlements, and judgments that may arise from claims made by clients.

Directors & Officers liability insurance helps protect the personal assets of company directors and officers if they are sued for decisions made while managing the business. Coverage can help with legal defense costs, settlements, and judgments related to allegations such as mismanagement, breach of fiduciary duty, or regulatory issues.