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Commercial & Specialty Risk
These coverages form the "physical and operational" foundation for any private business, protecting against everyday liabilities and property losses.
Commercial General Liability (CGL):
The baseline protection for any business. It covers claims for third-party bodily injury, property damage, and personal/advertising injury (such as libel or slander).
Commercial Property:
Protects the physical assets of your business.
Commercial Auto:
Protects the business from financial loss if a company-owned vehicle is involved in an accident.
Commercial Umbrella / Excess Liability:
Provides high-limit protection that sits on top of your primary liability policies (General Liability, Auto, and Employers Liability).
Workers’ Compensation:
A state-mandated insurance that provides medical benefits and wage replacement to employees injured on the job.
Business Owners Policy (BOP):
A convenient and cost-effective package designed for small to mid-sized businesses.