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Your Business - Your Bottom Line
Accidents, illnesses, lawsuits…If you're in business, you're exposed. While the number of risks you're exposed to is almost unlimited, you might only need a few basic coverages to start out. For example:
General Liability insurance - All small businesses, old and new, need general liability insurance. It's basic liability protection that guards against things like accidents, injuries, property damage and lawsuits.
Commercial Auto insurance - If you use vehicles for work, you'll need commercial auto insurance to be fully covered. Personal policies don't usually cover work related incidents. You may enjoy reduced rates if you combine this with General Liability!
Most businesses quickly realize their needs extend beyond basic liability and commercial auto insurance. Certain jobs require specific coverages, employees need protection, and a number of risks fall outside the protection of basic liability coverage.
When business insurance coverages are packaged together, it's often referred to as a Business Owners Policy. Additional coverages in a Business Owners Policy might include:
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