Types of Commercial Insurance

• Professional Liability: Protects businesses and professionals against claims of negligence, mistakes, or failure to deliver services as promised. It covers the legal costs and damages related to services you provide, especially in cases where clients allege that your professional advice or services caused them financial harm.
  
  Who needs Professional Liability? Lawyers, Medical Professionals, Financial Professionals, Consultants, Engineers, Real Estate Agents, IT Professionals, and more.
• General Liability: Provides financial protection for claims arising from Bodily Injury, Property Damage, and Personal Injury caused by you or your company operations.
  
  Who needs General Liability? Contractors, Retail Stores (Brick-and-Mortar), Product Sellers, Manufacturers, Service-Based Businesses, Food Service, Health and Fitness, and more.
• Commercial Vehicle Insurance: Provides financial protection in case of accidents, theft, or damage involving vehicles that are used for business operations.
  
  Who needs Commercial Vehicle Insurance? Delivery and Transportation Businesses, Landscaping and Lawn Care Businesses, Contractors and Construction Companies, and any business that uses a vehicle as part of their operations.
• Property Insurance: Protects the physical assets of a business. This includes buildings, equipment, inventory, and other property your business owns or rents, from risks such as fire, theft, vandalism, and natural disasters.
  
  Who needs Commercial Property Insurance? Any business that owns or leases property and relies on physical assets to operate.
• Workers Compensation: Provides medical benefits and wage replacement to employees who are injured or become ill due to their job.
  
• Cyber Liability: Protects businesses from the financial consequences of cyberattacks, data breaches, and other internet-related risks. As businesses increasingly rely on digital platforms to operate, they become more vulnerable to cyber threats like hacking, data theft, and ransomware. Cyber liability insurance helps mitigate the damage from these risks by covering expenses related to a cyberattack or data breach.
  
  Who needs Cyber Liability? Nearly all professionals and businesses. If you or your business use technology for documenting or transacting, you have a need for Cyber Liability Insurance.