Commercial questions most people ask first
Coverage that grows with your business.
Business insurance helps protect your company from lawsuits, property damage, employee injuries, and other unexpected financial losses.
At least annually—and anytime your business changes significantly.
Examples include:
- Hiring employees
- Buying equipment
- Purchasing vehicles
- Moving locations
- Expanding operations
- Increasing revenue
Protection against the unexpected.
Typically:
- Bodily injury
- Property damage
- Products liability
- Advertising injury
- Legal defense costs
Usually not. It generally covers damage caused by your work—not the cost to repair or replace defective work itself.
Keeping your equipment and property covered.
Not necessarily. Some equipment requires scheduled coverage or has limitations.
Usually yes if scheduled appropriately, but businesses with specialized equipment may need additional endorsements.
Vehicles, covered the right way.
Yes, provided they're authorized and meet company and insurance requirements.
Often not. Business activities frequently require a commercial auto policy.
Support when your team needs it.
Requirements vary by state and business type.
- Obtain medical care.
- Report the injury promptly.
- Notify your insurance carrier.
- Complete required documentation.
Protection in a digital world.
Small businesses are increasingly targeted because they often have weaker cybersecurity than larger organizations.
Depending on the policy:
- Data breaches
- Ransomware
- Notification expenses
- Credit monitoring
- Business interruption
- Cyber extortion
- Legal expenses
Proof of coverage, made simple.
Most certificates can be issued the same business day once all required information is received.
Typically:
- Certificate holder name
- Mailing address
- Email address
- Contract requirements
- Requested endorsements (if applicable)
What to do after a loss.
- Protect the property from further damage.
- Document everything with photos.
- Save damaged property when possible.
- Notify the agency immediately.
- Keep receipts for emergency repairs.
Understanding your premium.
Many commercial policies are estimated at the beginning of the policy term. After the policy expires, the carrier reviews payroll, sales, receipts, or other exposure information to calculate the final premium.
Absolutely. Businesses change frequently, and coverage should change with them.
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