Business & Commercial Insurance

Commercial Auto

As a business owner, you need  insurance for the car you use in your business same as you do for a car used for personal travel. In fact, many business people use the same vehicle for both business and pleasure.  The important thing is that the same vehicle has "commercial use" coverage so that in case of an accident while working on the job, you will be protected.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. We will explain all differences and options.

General Liability

General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real o alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Workers Compensation

Workers compensation is designed to help companies pay benefits to employees injured on the job. As a protections for employees, most states require that employers carry some from Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers compensation is designed specifically for injuries sustained on the job,


In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Each state has different laws governing the amount and duration of los income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whiter the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Call us to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.


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