Commercial General Liability is a important part of your business. Most landlords will not even give a key to the property without a active insurance in place. Liability Insurance will protect you by providing coverage for claims related to negligent business activities or the failure to use reasonable care. You might say that you do everything right and everything you do is with reasonable care, but do you have the time, money and the ability to defend your self from even claims of such negligence when sued? Most people don't have the resources to property defend themselves from such lawsuits. Liability usually also offer fire legal damage as well as medical payments. Different types of business have different needs when it comes to liability.

Commercial Property

Property insurance is coverage you get for your tangible property like the building, business personal property etc from a listed covered loss. If you own a building or if you have property inside your business (computers, desks, inventory etc.) you might need either one or both coverages. If you have a bank or a finance company who has financed your property, they may require you to carry insurance on such property to cover them in a event that a loss occurs like fire, vandalism, water damage, theft etc. depending on the coverage type.

Special types of losses like Earthquake and Flood are generally not included in the simple property insurance coverage and will require to be purchased separately.

Commercial Package

Commercial Package refers to having more than one of any commercial insurance such as property and liability. Most companies offer both liability and property coverage for the class of business they write. Packaging both coverages from the same carrier will sometimes offer better rates than separating the two.

Business Owners Policy (BOP)

In today's competitive business environment small businesses need every advantage to succeed. That's especially true when it comes to selecting business insurance.

Most small business qualify for the BOP (Business Owners Policy). The BOP is designed to offer small to medium size business (usually 50&under employees) with extended coverages every small business needs with a comprehensive overall broad coverage at a affordable premium. BOP usually includes both property and liability as well as loss of income coverage.

Talk to our agents to find out more about what kind of Liability and Property coverages your business might needs.

List of some of the other insurance Liability coverages:

Products / Completed Operation Liability

Personal / Advertising Injury Liability

Errors & Omissions

Directors & Officers

Employers Practice Liability

Pollution Liability

Contamination Liability

Liquor Liability

Garage Keepers Legal Liability

Professional Liability

Malpractice Liability

Builder's Risk

List of some of the other property coverages:

Boiler & Machinery

Transit / Inland Marine

Earthquake & Flood

Earthquake Sprinkler Leakage

Ocean Marine

COC (Course of Construction)

Crime Coverage