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Business Insurance

Business Insurance provides coverage that protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability, and auto coverage for vehicles owned by the business, in addition to, employee-related risks which may also include workers compensation coverage. It is especially important for business owners to carefully consider and evaluate their business insurance needs based on the size and type of business because they may have more personal financial exposure in the event of loss which may not be taken into consideration when purchasing a business insurance policy.

Liability Insurance

Liability insurance is designed to protect the insured from various risks, including being sued for negligence and unintentionally causing harm to someone in the course of an accident. This type of insurance is beneficial to people in high-risk professions like construction, manufacturing and medicine. Liability insurance comes in handy when the policyholder engages in unintentional behavior during the course of work that causes damage or harm to someone else. For example, if you are a construction worker and a structure you work on hurts someone, if you did not intentionally cause harm, the insurance company will cover the cost of damages to the injured party.

General Liability Insurance

This is the most common type of liability insurance. This policy usually covers libel, slander and physical injuries that might occur on a business property to clients, vendors, etc.

Product Liability Insurance

This type of coverage is very beneficial to people in the manufacturing business. It protects you if merchandise made by your company turns defective and is responsible for any injuries or deaths to consumers.

Professional Liability Insurance

This coverage protects professionals from claims against them for mistakes made during the course of their job. Some popular examples of professional liability are malpractice insurance and Errors and Omissions insurance.

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