For a business many different types of insurance exist, including property insurance, liability, commericial auto, workers compensation, and others.

Below are some of the more common types of coverage available however this is not a complete list and, as always, we recommend you contact us to thouroughly review the needs of your business.

Property Insurance - covers the building or buildings and contents of the business. Outdoor signs, crime coverage, property of others, glass coverage, etc., can be covered as well, depending on the needs of your business.

Liability Coverage - covers what you could be obligated to pay due to bodily injury or property damage to others. If you do not own your building, your landlord normally would need to be added as an additional insured on the policy in order to protect them. Liability covers the premises and operations of the insured, as well as products and completed operations.

Commercial Auto - is similar to personal auto coverage but is intended for vehicles used in the course of business. For example an employee is maing a delivery, backs up and dents another vehicle in a parking lot. The property damage portion of the policy would pay for the damages to the other vehicle.

Workers Compensation - protects your employees if they suffer job-related injuries. The policy pays the medical bills for the employee who is injured on the job. If there is time off from work due to that injury, the insurance pays disability income to the injured worker.

Other types of insurance may be necessary or unique to your particular business. For instance, if you operate a desktop publishing business out of your own home, you may assume that your homeowner's insurance will cover any theft or destruction of computer equipment. Some homeowner's policies may, but others may set a limit on claims for computer equipment that is much less than you have invested. Again, every business is unqiue and we recommend you contact us to throughly review your business needs.