What is General Liability? General Liability protects your business from financial loss if held liable for property damages, personal injury, or advertising injuries as a result of business operations or employees.

What is a Package? There are two types of Commercial insurance packages, 1) Business Owners’ Package (BOP), or 2) Commercial Package Policy (CPP). BOPs are great for small/medium sized businesses and can cover an array of coverages, including General Liability, Property Damage, and Business Interruption. A CPP is similar to a BOP and provides additional coverages for those who are more extensive than a small business. Main takeaway – a BOP is already put together with standard coverages while a CPP can be built from the ground up. 

What is Workers Compensation? Workers Compensation is not only a legal requirement, but a benefit to both you and your employees. It provides benefits to employees if they experience a work-related illness or injury. These benefits can help cover medical care, replace lost wages, and even cover funeral expenses if they lose their life. Workers Compensation also protects you, the employer, and helps cover legal costs if an injured employee chooses to sue your business. 

What is Commercial Auto? Commercial Auto is similar to your personal auto policy, only that it instead covers commercial vehicles used for business purposes.