Business Insurance

• Options include general liability, property, workers’ compensation, commercial auto, and professional liability insurance.​

• The amount of coverage you need will depend on your specific business needs. Our agents can help you determine the appropriate amount of coverage.

That depends on what you do, but many small businesses start with:

• General liability (for injuries, property damage, and certain advertising/personal injury claims).
• Property or business owners policy (BOP) for your building, contents, and often business income.

From there, you might add things like workers’ comp, commercial auto, professional liability, or cyber depending on your operations and contracts.

General liability typically helps protect your business if:

• Someone is injured on your premises or because of your operations.
• You accidentally damage a customer’s property.
• You face certain claims of personal or advertising injury, such as libel, slander, or copyright issues in your advertising.

It does not cover everything (like professional errors, employee injuries, or damage to your own property), so it is usually one piece of a broader insurance plan.

You may be underinsured if: 

• Your limits would not be enough to replace your building, equipment, or inventory or to handle a serious claim or lawsuit.
• You have grown, added locations, taken on larger contracts, or changed services but have not updated your policies or limits in a few years.

An annual review of values, revenue, payroll, and contracts with an agent helps catch gaps before a claim.

• Many business policies do help with certain lawsuits, including attorney fees, settlements, or judgments, but only for claims that fall within the policy’s coverage and limits. General liability can respond to covered third‑party bodily injury, property damage, and some advertising injury suits, while other types of lawsuits may need different policies (like professional liability, employment practices, or directors and officers).

• Even small businesses benefit from insurance, protecting assets and reducing liability risk.​

• Yes, we offer insurance options specifically designed for home-based businesses.

• Many policies offer business interruption coverage for loss of income due to events like fire or natural disaster—check your policy for details.​

• Factors include business type, size, location, number of employees, and coverage needs.​