Property
Covers building, business property (machines, office equipment etc), tenant
improvements, and inventory.
Commercial Auto
Covers autos owned or used for the business during daily operations, including
delivery, transit, and distribution.
General Liability
Legal liability protection against third party claims for bodily injury or property
damage and cost of defense. This applies to everything from retail locations to
infused products. This is also common for additional insured endorsement
requirements.
Business Income
Covers net income during business interruption as result of a covered claim to pay
bills such as payroll, taxes, and mortgage. Two-thirds businesses do not continue
operations due to inadequate business income coverage.
Workers Compensation
Required by law in most states, this covers wage replacement and medical benefits to
employees injured during the course of employment in exchange for relinquishment of
the employee's right to sue.
Employment Practices Liability
Covers claims against wrongful act during the employment process such as sexual
harassment, wrongful termination, discrimination, and retaliation.
Umbrella
Extends and increases liability coverages over multiple policies such as Business
Policy and Commercial Auto.
Event Coverage
Covers liability and property for short term events. This coverage is also popular
for additional insured for event holders.