General Liability Insurace
Commercial general liability insurance policies cover bodily injury and property damage. It may also help protect your premises, products, operations, and completed operations. This coverage is the first or core policy most businesses will purchase.
Workers Compensation & Employers Liability
Provides statutorily required Workers Compensations and Employers Liability benefits to your employees incurred from a work-related injury or certain diseases. (Some officer, partners, individuals, or LLC members may be able to “opt-out.”)
Commercial Property Insurance
Commercial property insurance protects the “real” property owned by your business – your building, equipment, store fixtures, and more. It protects against fire, wind, lightning, hail, theft, etc.
Business Personal Property
Business personal property coverage refers to a “non-real” property owned by a business. It generally covers items of value that are not considered structural, fixture, vehicle, or aircraft, such as inventory, desks, chairs, etc. Coverage is often limited to within 100 feet of the business.
Commercial Auto / Business Auto
A commercial vehicle insurance policy provides financial protection for businesses that operate company vehicles. As a personal auto policy, there is coverage available for bodily injury, property damage, personal injury protection or medical payments, uninsured motorist, underinsured motorist, comprehensive, and collision. The vehicle and trailers (if applicable) must be titled in the business name.
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Trailers
Business trailers need to be listed on the policy for liability coverage to apply. Unlike a personal trailer being hauled by a personal vehicle, where liability is extended by the vehicle pulling it, a commercial or business trailer must be listed on the commercial auto policy. Physical damage coverage can also be added. Coverage for any tools or equipment inside the trailer would come from a separate coverage you would need to add to your insurance program called inland marine (see below).
Tools & Equipment – Inland Marine Coverage
Tool and equipment coverage is written on what is called an inland marine policy. Tools and equipment that are often moved from place to place need this specific coverage. Coverage can be written on a replacement cost basis or actual cash value, and you may need to create a list including serial numbers and values. This coverage does not include business trailers (see below.)
Hired & Non-Owned Auto Physical Damages
Businesses that rent or lease vehicles regularly or short-term rental, such as an auto repair, should consider purchasing this coverage. It provides comprehensive and collision coverage when you are renting or leasing a vehicle. There is even an endorsement available if an employee rents in their personal name.
Umbrella Liability – Excess Liability
Provides excess or higher liability limits over most of your underlying liability insurance. Provides coverage not provided in underlying insurance, if not excluded by the Umbrella. Provides replenishment of underlying limits reduced by claims.
Business Income Coverage
Reimburses you for lost business income or extra expenses due to a necessary suspension or reduction in your business due to a covered loss at your site.
Spoilage Coverage
Food spoilage coverage is an endorsement that helps to provide coverage for loss of perishable stock stored on the insured’s premises due to a covered peril. Often a refrigeration contract is required.
Hired & Non-Owned Auto Liability
Covers your liability arising out of the use or rental of non-owned (i.e., employee cars) or hired/rented (Hertz, Avis, etc.) automobiles used on your behalf.
Installation Floater
An installation floater is an insurance policy that covers personal property installed, fabricated, or erected by a contractor. It covers the property until the installation work is accepted by the purchaser or when the insured’s interest in the property is installed ceases.
Cyber Attack / Cyber Liability (Data Breach)
Covers data breach resulting in loss of your electronic data or client data (Identity Theft). Covers required “notification” expenses to customers and defense costs of suits. It can cover “denial of service” attacks, cyber extortion; crisis management; and more.
Extra Expense Coverage
Often paired with Business Income, Extra expense coverage is a commercial property policy endorsement that helps pay additional costs above normal operating expenses due to a loss at your site that closes your business. For example, the cost to open a temporary site while your current site is being repaired.
Equipment Breakdown Coverage
Fills gaps in property insurance by covering the sudden, accidental breakdown of mechanical or electrical equipment such as HVAC systems, motors, compressors, electrical apparatus, production machinery, transformers, pumps, etc., including boilers if needed.
