business Insurance

CGL can help cover your business while performing normal operations. Coverages include:

• Physical injury liability
• Property damage liability
• Lawsuits costs for covered losses

 Two coverages you need, combined in a single policy.

• Bodily injury or property damage
• Defense costs for covered liability losses
• Business furniture and equipment

 This coverage is mandatory if your business has employees. Workers' comp covers a business' employees if they're injured at work. In general, policies cover:

• Lost wages
• Medical expenses
• Rehabilitation expenses

 If the driver of a vehicle uses it for their job, work or business, you need a commercial policy. You may need commercial coverage if:

• The vehicle is used to transport goods or people
• The vehicle is used to perform a service
• Employees drive the vehicle

Errors and omissions insurance covers the legal fees and settlement costs that result from claims of negligence or substandard work against your business. It protects your business if a client feels your professional work didn’t meet their expectations or caused them financial harm, whether or not you made a mistake.
E&O coverage can protect from a variety of situations, including:

• Giving incorrect advice
• Failing to deliver a service
• Missed deadlines

E&O insurance can also offer coverage for claims from services provided in the past and work performed anywhere in the world.