When you build a business, it is about more than just the infrastructure or equipment. You invest your time, your hopes and your dreams for the welfare of your family, your business and everyone in your company. Protect your business and your people against operational losses and secure your company’s future with dependable business insurance.
A Business Insurance policy protects a company from losses that may occur through property damage, legal liability and employee-related risks. This type of insurance is most important to small business owners, unlike large conglomerates; they may experience more personal financial loss to cover expenses in case of loss.

Types of Business Insurance

 

General Liability Insurance

General liability insurance covers legal risks due to accidents, injuries and claims of negligence that may be filed against the company. The insurance covers payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure except in cases where there is punitive damages.

Professional Liability Insurance

A liability policy is mostly used by businesses that provide professional services. It is known as Errors and Omissions insurance, it protects from malpractice, errors, or negligence claims. Most State laws require doctors and similar professionals to have this type of insurance.

Product Liability Insurance

Product liability covers businesses that manufacture, wholesale, distribute and retail commercial products. Product liability insurance protects against financial loss as a result of a defective product or products that have safety issues, causing injury or bodily harm. The amount of the insurance premium will depend on the type of product the company produces. A clothing store will have far less risks than an automobile company, thus a lesser premium.

Commercial Property Insurance

This type of policy is for businesses that operate in standard commercial buildings. The insurance covers loss and damage to company property in case of theft, fire, smoke, wind, hail, vandalism, and other named perils.
A company property may include buildings, equipments, documents, business interruptions, lost income and money. There are two types of commercial property insurance:
o All-risk Policy covers a wide-range of incidents and perils except those noted in the exclusions
o Peril-specific policy or named peril policy covers losses from a specific list of named perils

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*Product, coverage, discounts, terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

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