Workers' Compensation Insurance 

On-the-job injuries and illnesses can be costly. Not having proper coverage is a huge financial risk. That’s why Workers' Compensation coverage is a critical component of your entire commercial insurance program.

Workers' Compensation policies provide two areas of coverage. First, it covers the cost of medical expenses and disability payments if employees are injured or exposed to illness-causing substances while on the job. Second, it provides businesses with liability protection in case they are sued for damages arising from employment-related accidents or diseases.

Typically, this type of policy will pay for:

• Medical benefits
• Indemnity benefits
• Rehabilitation benefits
• Death benefits

Business Umbrella Insurance

Every business is vulnerable to a significant loss or a large lawsuit. As a result, losses could exceed your primary insurance coverage, unless you protect your business with umbrella insurance.

Once your business is protected by the basic types of insurance coverages (like commercial auto and general liability insurance), you may want to consider an umbrella policy for extended coverage. An umbrella policy can provide additional coverage beyond the limits of your basic insurance.

Most policies offer:

• High limits -- generally starting at $1 million -- in excess of underlying insurance
• Broad liability protection, including suits related to company vehicles
• Benefits for legal defense and other expenses not generally covered by your primary insurance

General Liability Insurance

How do you protect your business from claims arising from accidents such as trips or falls?

General liability insurance provides the peace-of-mind protection you’ll need if there are claims of bodily injury, property damage or personal injury on your business premise or arising from your operations.

When you own or operate your own business, that type of protection is critical. A lawsuit can turn into a financial disaster for your business. But having the right kind of insurance coverage can provide financial protection if your business is sued for injury or damage.

General liability insurance can provide coverage for:

• Bodily injury
• Property damage
• Personal injury
• Slander
• Copyright infringement
• False advertising

Employment Practices Liability Insurance

The number of lawsuits filed by employees against their employers continues to rise. And no company is immune to such lawsuits.

Litigation related to employee complaints has increased dramatically over the years. These suits can be costly. Even an employment-related claim without merit can cost an employer thousands of dollars to defend.

Employment practices liability insurance covers businesses against claims by workers that their legal rights as employees of the company have been violated, including claims of:

• Sexual harassment
• Discrimination
• Wrongful termination
• Breach of employment contract
• Negligent evaluation
• Failure to employ or promote
• Wrongful discipline
• Deprivation of career opportunity
• Wrongful infliction of emotional distress
• Mismanagement of employee benefit plans

Commercial Auto Insurance

Commercial auto insurance provides valuable protection for a variety of vehicles regardless of whether they’re owned by the company. For example, you can obtain coverage for employees who use their own car to do company business or use rented vehicles when they travel.

Coverage can include two components: liability and collision/comprehensive coverage.

Liability protects you for covered losses if someone claims that you – or someone driving your insured vehicles – are legally liable for either bodily injury or property damage.

Collision/comprehensive covers physical damage to your vehicles.

In addition, commercial auto may also provide these valuable additional coverages:

• Transportation expenses if your business-owned vehicle is stolen
• Loss of earnings
• Permanently installed radios, CD/DVD players and cell phones
• Hired and non-owned autos