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General Liability Insurance: General Liability Insurance is a fundamental coverage for small businesses, offering protection against claims of bodily injury or property damage caused by your business operations. It also covers legal fees and settlements, providing financial security and peace of mind.
Property Insurance: Property Insurance safeguards your business assets, including buildings, equipment, and inventory, from risks like fire, theft, or natural disasters. This coverage ensures that the financial burden of replacing or repairing damaged property doesn't cripple your business.
Professional Liability Insurance (Errors & Omissions): Professional Liability Insurance, often known as Errors and Omissions (E&O) insurance, is crucial for service-based businesses. It shields against claims of negligence or inadequate work, covering legal expenses and potential settlements that may arise from dissatisfied clients.
Business Interruption Insurance: Business Interruption Insurance is designed to help businesses recover from unexpected disruptions. It provides financial support during periods when operations are halted due to covered perils, helping cover ongoing expenses like rent, salaries, and utilities.
Workers' Compensation Insurance: Workers' Compensation Insurance is a legal necessity for businesses with employees. It covers medical expenses and lost wages for employees who are injured or become ill while on the job. This coverage not only protects employees but also shields businesses from potential lawsuits related to workplace injuries.
Commercial Auto Insurance: If your business uses vehicles for work-related purposes, Commercial Auto Insurance is essential. It covers damages to company-owned vehicles, as well as liability for accidents involving these vehicles. This coverage ensures that your business can continue operations even if a vehicle is damaged.
Cyber Liability Insurance: In an era dominated by digital operations, Cyber Liability Insurance is crucial. It protects small businesses from the financial fallout of data breaches and cyberattacks by covering the costs of notifying affected parties, recovering compromised data, and legal expenses associated with such incidents.
Product Liability Insurance: For businesses involved in manufacturing or selling products, Product Liability Insurance is vital. It offers protection in case a product causes harm or injury to a consumer. This coverage helps manage legal costs and potential settlements, ensuring the financial stability of the business.
Employment Practices Liability Insurance (EPLI): EPLI protects businesses against claims related to employment practices, such as wrongful termination, discrimination, or harassment. It covers legal costs and potential settlements, offering a layer of defense for businesses facing employment-related disputes.
Commercial Umbrella Insurance: Commercial Umbrella Insurance provides additional liability coverage beyond the limits of your primary liability policies. It acts as a financial safety net, offering increased protection in case a lawsuit exceeds the limits of your general liability, auto liability, or other primary policies. This extra layer of coverage can be crucial in protecting your business from substantial financial losses.