Business Insurance

Small Business Insurance Protects Against Liability

Small business liability insurance is one of the most important components of your commercial policy. Different industries have different liability risks, and for this reason, small business insurance policies can be customized.

You need only purchase the type or types of liability coverage you require. Your small business liability insurance options can include:

  • General liability: This covers most liability claims that may be brought against you. It protects against payments for bodily injury, property damage, libel and slander. It will also cover court costs and legal fees associated with covered events

  • Professional liability: This coverage is also known as errors and omissions insurance. It protects your business from liability claims due to malpractice, negligence and errors. Some states may require certain businesses, such as those in the medical field, to have this coverage.

  • Product liability: This is important for companies that manufacture, distribute or sell products. If a product defect results in illness or injury, your company may be sued. This will provide coverage for this type of lawsuit.

Your small business liability insurance rates will depend on how much coverage you purchase and the likelihood that your business will face liability charges

Commercial Packages

 

Human Services

• Adult Day Care Centers

• Community Centers

• Group Homes

• Home Health Care/Hospice

• Homeless/Battered Shelters

• Home Medical Equipment Dealers

• Mental Health Organizations

• Non-Profit Organizations

• Sheltered Workshops

• Sleep Centers and Laboratories

• Social Service Organizations

• Substance Abuse Rehabilitation Facilities

• Thrift Stores

• YMCAs/YWCAs

• Youth Services  Organizations (Boys Scouts/Girl

Scouts, Boys and Girls Clubs, etc

​​

Industry Services

• Fuel Dealers

• Pest Control Services

• Restoration Contractors

• Security Services -  “The Guardian”

Public Services

• Child Care Centers

• Libraries

• Medical Facilities/Hospitals

• (Property & Auto Only)

• Municipalities

• Museums

• Nursing Homes (Property & Auto Only)

• Religious Organizations/Churches

• Water & Sewer Treatment Plants

• Zoos

Habitational

• Affordable Housing

• Apartments

• Condominiums

• Homeowners Associations

• Low Income Housing

• Mobile Home Park Owners

Real Estate

• Builders Risk

• Commercial Excess Flood

• Real Estate Schedules

Educational

• Colleges

• Miscellaneous Training Schools

• Schools -  Private, Academic,

• Charter, and Vocational

• Student Housing

• Trade Schools

Accident & Health NEW!

• Participant Accident

• Student Accident

• Volunteer Accident

Sports

• Amateur Sports

• Gymnastics

• Motorsports

• Professional Sports

• Special Events – Sports & Recreation

• Sports Camps

• Sports Leagues

Recreation & Entertainment

• Amusement Parks

• Animal Tracks

• Boat Dealers

• Bowling Centers

• Craft Brewery  & Distillery NEW!

• Fairs  & Fairgrounds

• Family Entertainment Centers

• Film Producers

• Golf & Country Clubs

• Ice Arenas

• Paintball Operations

• Performing Arts Centers

Health & Fitness

• Health Clubs

• Individual Trainers and Instructors

• Martial Arts Studios

• Personal Training Studios

• Pilates Studios

• Salon & Day Spas

• Yoga Studios

Outdoor Products

• Archery Ranges

• Backpacking/Hiking

• Bed & Breakfasts

• Camp  Operators

• Consulting Foresters

• Cross Country Skiing

• Dude & Guest Ranches

• Firearm Manufacturing

• Fishing  & Hunting Lodges

• Guides & Outfitters

• Guided  Snowmobile Tours

• Hunting Leases

• Hunting Preserves

• Resorts & Lodges

• Retail Gun Stores and Gunsmithing

• Rod & Gun Clubs

• RV Parks & Campgrounds

• Shooting Ranges

• Trap, Skeet & Sporting Clay

• Whitewater Rafting Tours

• (Up to Class III  Only)

Environmental

• Contractor Environmental CoverageSM  (CEC)

• Contractor Environmental and Professional

• CoverageSM (CEPC)

• Multi-line Environmental Liability Coverage

(MELC)

• Premises Environmental CoverageSM (PEC)

• Restoration Contractors

Miscellaneous

• Equipment Breakdown

• Special Events

• Tenant Users Liability Insurance Program (TULIP)

Commercial Auto

• Auto Daily Rental

• Business Auto Fleet

• Chauffeured Transportation

• Franchised Motorcycle Dealerships

• Interim Liability & Physical Damage

• Leasing -  Primary Insurance Program

• Lessors Contingent/Excess Liability;

• Lessors Contingent Physical Damage

• Rental Package

 

MANAGEMENT & PROFESSIONAL LIABILITY

• Accountants Professional Liability

• Affinity Pro Portfolio (Trade Associations)

• Allied Health Professionals

• Chiropractors Professional Liability

• Cover-Pro (Professional Liability for

• Specified Professions)

• Crime Protection Plus

• Cyber Security Liability

• Employed Lawyers Protection Plus

• Employment Practices Liability

• Excess Liability

• Flexi Plus Five (Non-Profit D&O)

• Integrated Technology

• Media Liability

• Private Company Protection Plus (For Profit D&O)

• Temporary Staffing Agencies

 

PERSONAL LINES

• Collector Vehicles

 

FLOOD COVERAGE

• Commercial Excess Flood

• Commercial Primary Flood

• National Flood Program

• Libraries

• Medical Facilities/Hospitals

• (Property & Auto Only)

• Municipalities

Artisan and Specialty Classes Programs

  • Air Conditioning & Heating

  • Appliance Repair & Installation

  • Cable TV Installation

  • Carpentry

  • Carpet, Rug or Upholstery Cleaning

  • Ceiling or Wall Installation

  • Concrete Construction

  • Debris Removal - Construction Site

  • Door/Window Installation

  • Driveway & Parking Area Paving

  • Dry Wall or Wallboard Installation

  • Electrical Apparatus - Installation, Service and Repair

  • Electrical Work (within buildings)

  • Excavation

  • Fence Erection

  • Floor Covering Installation

  • Furniture or Fixture Installation

  • Grading of Land

  • Handyman (residential)

  • Insulation

  • Interior Decorators

  • Janitorial Services

  • Landscape Gardening

  • Lawn Care Services

  • Logging & Lumbering

  • Masonry

  • Metal Erection

  • Painting

  • Paperhanging/Wallpapering

  • Plumbing

  • Pressure Washing

  • Septic Tank Systems

  • Sewer Cleaning

  • Sheet Metal Work

  • Siding Installation

  • Sign Erection - Installation, Service and Repair

  • Sign Painting or Lettering

  • Swimming Pools - Installation, Service and Repair

  • Telephone or Cable Construction

  • Tile, Stone or Marble Work

  • Tree Trimming

  • Upholstering

  • Water Softening Equipment - Installation, Service and Repair

  • Window Cleaning

& SO MUCH MORE!!! ASK US IF YOU DON'T SEE IT ON THE LIST

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