COMMERCIAL INSURANCE

Combines property and liability insurance by consolidating these coverages into a single insurance policy.

BOP insurance helps cover claims of bodily injury or property damage and is often a good choice for small and medium-sized businesses, such as restaurants or retail shops.

• Bodily Injury - someone is injured on your property (i.e., slips on ice in the parking lot)
• Property Damage - accidental damage to your or a customers property (i.e., spilled a beverage on a client's computer)
• Business Asset Protection - damage to furniture and equipment (i.e., desks, computers, printers)

A general liability insurance policy, or business liability insurance, protects businesses from claims that result from normal business operations.

General Liability Covers:

• Costs for property damage claims against your business
• Medical expenses if someone gets injured at your company
• Administrative costs to handle covered claims
• Court costs, judgments and settlements for covered claims

PL, or also known as Errors & Omissions (E&O) is geared more toward the self-employed workforce (such as consultants). 

Mistakes can happen to anyone, and this policy covers claims of:

• Negligence
• Misrepresentation
• Inaccurate advice

Although you may not have made a mistake in your evaluation on the job, a customer can still sue your business if they believe otherwise. Without this coverage, all legal expenses are paid out of pocket.

This policy covers a business' employees when they are injured at the workplace or on the field performing work-related duties. It is a mandatory coverage for businesses that have employees.

Coverage includes:

• Lost wages
• Medical expenses
• Rehabilitation expenses

This policy is needed when a driver of a vehicle uses it for their job, work or business.

You need a commerical auto policy if the vehicle is:

• Used to transport goods or people
• Used to perform a service
• Driven by employees

Also referred to as "Business Interruption Insurance" or "Business Income Coverage", this coverage protects you when some event —storms, hacking, terrorism, or another unforeseen circumstance—temporarily disrupts your ability to sell or interact with your customers and other interested parties.

It can replace money you would have earned through those interactions and provide funds to operate in a temporary location.