Business Insurance

This is for buildings and contents owned by the company.

This covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location

This covers your company’s legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided.

Employment practices liability is generally not covered by general liability insurance, but can be purchased as a stand-alone policy or added as an endorsement to a Business Owners Policy or Commercial Package Policy. Bear in mind that EPLI coverage may have more limits and exclusions as part of a package policy. EPLI covers companies against claims or lawsuits filed by employees, former employees and employment candidates regarding their employment relationship with an employer. This type of coverage protects the company, its directors, and officers, as well as current and former employees. EPLI policies may also cover seasonal employees, leased employees and independent contractors.

If you’re driving a car we insure and are in an accident that causes bodily injury to someone else, this coverage pays the injury damages that are your responsibility.

Like Bodily Injury Liability, but pays for damages to another person’s car or other property.

If another person with little or no insurance causes an injury to you, this coverage steps in and pays the damages owed to you that otherwise aren’t covered. (The amount of coverage you carry can’t exceed your limit of Bodily Injury Liability coverage.)

This coverage pays for damage to your car or other personal property caused by someone driving without any (or not enough) insurance. A small deductible applies.

This coverage pays necessary and reasonable medical expenses, income loss, and benefits for extra expenses for you, family members of your household, and guests in your car in case of accidental injury or death. (You must have Liability coverage to purchase this coverage.)

The policy pays for damage to your car from collision or upset, regardless of fault. You select the appropriate deductible amount.

Covers damage to your car caused by something other than collision or upset, subject to your deductible. (Examples: theft, accidental glass breakage, fire, vandalism.)

Pays for towing when your car won’t operate under its own power. Charges for labor at the site of breakdown are also covered.

In the event of a covered loss, car rental expense is covered up to the rental reimbursement limits you select.

Applies to a covered total loss. If there’s a traditional loan, it will pay either its principal outstanding balance or the actual cash value of the car at the time of loss, whichever is greater.

If the auto is leased, it will pay the value of the vehicle and any other amount owed to the leasing company.