General Liability pays for bodily injury and property damage to a 3rd party for which the business is found liable, up to the policy limits, as well as legal defense expenses. Every business should at least carry a General Liability policy because every business can be sued.
Professional Liability (E&O)
E&O insurance pays for damages when a professional is found to be negligent; when a professional makes a mistake or misjudgment that results in a loss. For example a carpet installer may mistakenly pick up and install the wrong carpet on a customers home. The cost to remove the wrong carpet and install the correct would be covered under and E&O Policy.
Commercial Property Insurance
Insurance to protect your business property from perils such as fire, theft, or natural disaster. It is important to make sure that you deal with an agent knowledgeable about optional overages such as Equipment Breakdown coverage, Ordinance or Law Coverage, Debris Removal, and Sewer/Water Backup that could leave you paying more out of pocket expenses during a claim than you expected.
Coverage can be added to include inventory, computers, fixtures, and more. We can also write policies to cover tools, rental equipment, and other equipment used in the course of your business.
Commercial Vehicle Insurance
A commercial auto policy provides coverage for vehicles that are used primarily in business activities. The main coverage options available are the same as a regular auto policy except commercial policies are more technical and can offer coverage specific to the established business type. For example; cargo coverage for truckers. Commercial insurance can be required for certain types of occupations to comply with filing regulations.
Insurance REQUIRED BY LAW when you have employees and offers compensation for medical expenses and wage loss to an injured employee when the injury is a result of their employment. By providing Workers Compensation, an employee waives their right to sue an employer for negligence, therefore, protecting both the employer and employee.
A type of insurance policy whereby an insurance company guarantees payments, work completion, or other security in the event of a default by the issuer of the bond or security . We offer License and Permit Bonds, Fidelity Bonds, Business Service Bonds, Contract Bonds, and Court Bonds, just to name a few. Whether required by the state, the city, or for a contract you are bidding on, we can get you what you need in a matter of minutes.
Other Types of Commercial Coverage Available:
Cyber Liability, Employers Liability, Employment Practices Liability, Directors and Officers Liability, Liquor Liability, Cargo Coverage
The Insurance House, Inc.