Commercial Insurance

Auto
Your business depends on vehicles every day as an essential part of operations. Road conditions, weather and other drivers on the road are often beyond your control, which is why you need a commercial automobile insurance policy to help protect your business in the event of an unexpected accident. Commercial automobile insurance may cover collision damage costs, medical payments, damage from a covered natural disaster and more.

Property
Business is inherently risky, but business liability coverage safeguards against many known and unknown risks. Commercial liability insurance coverage protects you, your business and your employees from claims involving bodily injury or property damage, up to the limits of your policy.

General Liability

A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. It covers non-professional negligent acts. Understanding this coverage is an important first step in managing CGL risks.

Here are just a few examples of situations in which your business could be responsible for paying various costs, such as medical and legal expenses, as well as compensatory and punitive damages:

  • While visiting your business, a customer trips on loose flooring and is injured.
  • An employee in your painting or construction business accidentally leaves water running, causing substantial damage to a customer’s home.
  • A class action lawsuit is filed against your business, alleging advertisements constituted misleading information.

Workers Compensation
Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage. 
Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working.

Workers receive benefits regardless of who was at fault in the accident. If a worker is killed while working, workers comp (as it is often abbreviated) provides death benefits for the worker’s dependents.

Farm / Agricultural
Many of our dedicated, regionally based farm underwriters have personal experience as farm owners or grew up on farms, so they truly understand your business. That’s why we offer a special business owner’s policy for farm owners like you. We’ll cover farm dwellings, machinery and equipment, autos, personal property, and more. ....Learn More

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