Protecting your business from the unknown, let us cover it.
Many small business and mid-sized business exposures that cover your property and general liability can all be included in one package form known as a BOP (Business Owners Policy). Most larger businesses that have many employees or higher income receipts or exposure(s), will need to purchase a package policy that is more customized with endorsements to cover their particular business and the claim exposures the business may face.
Often business policies include the following coverages:
Liability Coverage protects against claims for bodily injury or property damage resulting from your business operations..
Property Coverage protects against covered loss to your business property as well as business personal property located within the building.
Business Income Insurance protects against certain financial losses when you must suspend business operations due to a covered property loss. Additionally, any expense of operating your business out of temporary location while yours is being repaired or rebuilt can be covered.
Get Your Commercial Insurance Quote Today
Our licensed staff is ready to help you get multiple quotes for your business insurance. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.
Commercial Auto Insurance
Does your company own vehicles? If yes, or you or your employees use your personal vehicle for company purposes, you should have a separate Business Auto insurance policy. Commercial auto insurance can provide coverage for a company’s liability arising from a motor vehicle accident, as well as the cost to repair or replace a damaged vehicle owned, maintained, or used by the company for business purposes.
Liability Coverage protects the business if an employee causes an accident while working on behalf of the business.
Personal Loss can provide medical expense coverage and uninsured motorists coverage to individuals insured on the policy.
Property Loss covers the cost to repair or replace the vehicle (less depreciation), as well as the cost to rent a replacement auto so your business can continue operating.
Worker’s Compensation Insurance
Worker’s Compensation coverage can be needed if you have employees working in other states outside of Ohio. Additional coverages are available such as Ohio Stop Gap coverage, which is an endorsement that covers employers liability involving a work related accident of an employee.