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Business Owner's Policy
A Business Owner's Policy (BOP) is a bundled insurance plan for small to medium-sized businesses, combining property and liability coverage. Tailored to individual industries, it protects against property damage, liability claims, and business interruption, offering cost-effective and comprehensive protection in a single package.
General Liability
Commercial General Liability (CGL) insurance protects businesses against claims of bodily injury, property damage, and personal injury arising from their operations, products, or services. It covers legal costs and settlements, providing essential financial protection and peace of mind for businesses facing liability risks.
Workers' Compensation
Workers' Compensation (Workers' Comp) insurance provides benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs, while also protecting employers from lawsuits related to workplace injuries. Workers' Comp ensures financial support for both employees and employers in the event of workplace accidents.
Bonds
Bonds are financial guarantees ensuring that obligations are fulfilled. Contractors often use surety bonds to assure clients that projects will be completed as agreed or to comply with state, city or county licensing requirements. Fidelity bonds protect against employee dishonesty. These instruments provide assurance and financial security in various business transactions.
Inland Marine
Inland Marine specifically protects tools and equipment while in transit or temporarily stationed at jobsites away from the businesses primary location. It shields against damage, theft, or loss during transportation. Inland Marine is a vital coverage for businesses with movable assets that are crucial to their operations.
Commercial Auto
Commercial auto insurance provides coverage for vehicles used for business purposes, including cars, trucks, and vans. It protects against damages, injuries, and liabilities resulting from accidents involving these vehicles while conducting business activities. This insurance is essential for safeguarding business assets and complying with legal requirements.
Professional Liability
Professional liability insurance, also known as errors and omissions (E&O) insurance, protects professionals from claims of negligence or inadequate work. It covers legal defense costs and settlements arising from errors, omissions, or failure to deliver promised services, safeguarding professionals' reputations and financial stability.
Cyber Liability
Cyber liability insurance safeguards businesses from financial losses caused by cyberattacks or data breaches. It covers costs related to data recovery, notification of affected parties, legal fees, and regulatory fines. This insurance is crucial in today's digital landscape, providing protection against evolving cyber threats and ensuring business resilience.
Excess/Umbrella
Excess/umbrella liability insurance provides additional coverage above the limits of primary liability policies, such as general liability or auto liability insurance. It protects businesses from catastrophic losses by extending coverage for legal expenses and settlements beyond the limits of underlying policies, ensuring comprehensive protection against liability risks