Business Owner Insurance

Commercial Auto • Property • Workers Comp • General Liability • Professional Liability • Group Benefits

⚖️ General Liability Insurance

Protects your business from third-party claims of bodily injury, property damage, and advertising mistakes. Essential for every business regardless of size.

Bodily Injury

Covers medical and legal costs if a customer is injured at your business.

Property Damage

Covers accidental damage your business or employees cause to third-party property.

Personal & Advertising Injury

Covers slander, libel, copyright infringement, or false advertising claims.

Legal Defense

Pays attorney fees and court costs even if you’re not found liable.

🚚 Commercial Auto Insurance

Coverage for vehicles used for business — delivery trucks, company cars, vans. Covers business operations and cargo unlike personal auto policies.

Liability

Covers injuries and damages caused during business vehicle operations.

Collision & Comprehensive

Covers damage from accidents, theft, vandalism, and natural disasters.

Hired & Non-Owned Auto

Coverage when employees use personal or rented vehicles for business.

Cargo Coverage

Protects goods in transit against damage or loss during delivery.

🏢 Commercial Property Insurance

Protects your business’s physical assets — buildings, equipment, inventory — against fire, theft, vandalism, and natural disasters.

Building Coverage

Repairs or rebuilds your premises if damaged by fire, storm, or covered events.

Business Personal Property

Covers equipment, inventory, furniture, and supplies.

Business Interruption

Covers lost income if your business can’t operate temporarily.

Inventory & Stock

Protects goods for resale from damage, theft, or loss.

🏗 Workers’ Compensation

Covers medical expenses, lost wages, and rehabilitation for employees injured on the job — while protecting employers from lawsuits.

Medical Benefits

Covers doctor visits, hospital stays, surgery, and medication for work injuries.

Wage Replacement

Pays 60–70% of lost wages while the employee recovers.

Rehabilitation

Covers physical therapy and vocational retraining if needed.

Death Benefits

Financial compensation to families of employees who die from work-related causes.

📋 Professional Liability (E&O)

Protects professionals from claims of negligence, errors, or failure to deliver services as promised.

Negligence Claims

Covers legal defense and settlements if a client claims your services caused harm.

Errors & Omissions

Covers mistakes, missed deadlines, or oversights causing client losses.

Breach of Contract

Covers claims when a professional fails to fulfill client agreements.

Confidentiality Violations

Covers inadvertent disclosure of client information.

👥 Group Health & Life Benefits

Attract and retain great employees with comprehensive group health and life benefits.

Group Health Insurance

Lower-cost coverage spread across a group. Employer contribution makes it affordable.

Group Life Insurance

Basic life coverage (typically 1–2x salary). No medical exam required.

Dental & Vision

Comprehensive group dental and vision plans for your team.

Group Disability

Income protection for your workforce in the event of a disabling illness or injury.