Here are some common insurance choices that are available.
Business Owners, also known as BOP insurance, protects your small business and combines property insurance, liability insurance, crime coverage and additional protection into one convenient package.
These policies provide limits in excess of an underlying liability policy. An excess liability policy stacks the policy limits on top of the underlying policy limits. An umbrella policy may provide even broader coverage than the underlying policy and can include coverage for false arrest, libel, slander and invasion of privacy.
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A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability
Commercial Property insurance provides protection against most risk to commercial property, such as fire, theft, and some weather damage. This can sometimes include windstorm coverage but does not include flood coverage.
Business Auto is commonly used to provide business auto liability insurance. Although the policy refers to “autos,” autos can include cars, trucks, trailers, vans or other vehicles designed for use on public roads.
Cargo insurance is also known as freight insurance and covers the loss, damage or theft of commodities while in transit.
Provides wage replacement and medical benefits to employees that are injured in the course of employment in exchange for the mandatory relinquishment of the employee’s rights to sue his or her employer for negligence.
Builder's Risk is insurance coverage that protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure in case of a physical loss or damage from a covered cause.
Flood insurance is available to homeowners, renters, condos, and commercial buildings. It can provide coverage for buildings and contents for damages arising from rising water due to flooding.
Windstorm insurance is a special type of property and caualty insurance designed to cover damages caused by high winds from such things as hurricanes, tornadoes, and hail which are accompanied by gust winds that exceed 35 miles per hour.
Professional Liability (PLI) is more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice and service providing individuals and companies from bearing the cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.