Commercial Auto Coverage Solutions for Businesses

This insurance provides coverage for injuries or property damage caused to others as a result of your business operations. Coverage extensions such as employment practices liability, errors and omissions, adding additional insureds, and many other optional coverages can be added based upon the specific needs of each business.

This is a policy that provides coverage for injuries to employees as a result of performing job-related duties. Coverage for medical bills, lost wages, and lump-sum payments for serious injuries or death is provided. This coverage is required by state law for employers paying over $500 in wages to employees during a calendar quarter. The state has a nine-point test to determine whether the person you pay is considered an employee or an independent contractor for workers' compensation purposes. Failure to follow the proper rules can result in significant fines from the state. The premium is based upon wages paid to employees, with the state setting the rates for each job category.

Generally, this is coverage for property that moves between locations. Good examples of this would be contractors' tools or cargo transported by trucks. This coverage is usually written in conjunction with a property, liability, or commercial auto policy.

Coverage designed for vehicles owned or operated by a business.

Designed to cover loss of net income and continuing expenses as a result of a covered property claim, such as a fire. This coverage is usually added to a property insurance policy.