Commercial Insurance

High Coverage Risk Management Solutions for Your Business Endeavors

Commercial Insruance is a term used to decribe various
business coverages that are packaged together to protect your
company, employees, assets, and owners.

Commercial Insruance is a term used to decribe various business coverages that are packaged together to protect your company, employees, assets, and owners.

Your Commercial Risk Profile Spelled Out in Black & White

While no two businesses are the same, there is something
every business has in common – RISK. We encourage you to
analyze your potential exposure in these 4 areas:

Your Commercial Risk Profile Spelled Out in Black & White

While no two businesses are the same, there is something every business has in common – RISK. We encourage you to analyze your potential exposure in these 4 areas:

Liability

Do you engage with other people
as part of business?

If so, you are exposed to legal liability
and will need to address the risk of harm to

others, even if it’s an accident.

 

Property

Does your business have assets – an office,
equipment, inventory, just to name a few?

If so, you will need to
address the risk of damage or

loss to business property.

 

Commercial Auto

Do you or an employee drive a
vehicle as part of your business?

If so, you are exposed
to liabilities associated with

damage to/by your vehicle(s).

 

Workers Compensation

Do you employ another individual?

If so, you will need to offer your employee
wage replacement
and medical benefits in
case of a work-related injury or illness.

Liability

Do you engage with other people
as part of business?

If so, you are exposed to legal liability and will need to address the risk of harm to others, even if it’s an accident.

 

Property

Does your business have assets – an office, equipment, inventory, just to name a few?

If so, you will need to address the risk of damage or loss to business property.

 

Commercial Auto

Do you or an employee drive a vehicle as part of your business?

If so, you are exposed to liabilities associated with damage to/by your vehicle(s).

 

Workers Compensation

Do you employ another individual?

If so, you will need to offer your employee wage replacement and medical benefits in case of a work-related injury or illness.





Commercial Insurance Explained

Meet Eddy, the owner of “Eddy’s Bakery.”
He's going to help us highlight common coverages.
While every case is unique and should be evaluated
by a trustworthy expert, here are a few coverages
that are frequently needed by businesses
and business owners:

Illustrated by Victoria

Commercial Insurance Explained

Meet Eddy, the owner of “Eddy’s Bakery.” He is going to help us highlight common coverages. While every case is unique and should be evaluated by a trustworthy expert, here are a few coverages that are frequently needed by businesses and business owners:

Illustrated by Victoria

Top Commercial Liability Coverages

general Liability Eddy CIRCLE GREENgeneral Liability Circle
Professional Liability Eddy CIRCLE GREENProfessional Liability – Circle
Product Liability Eddy CIRCLE GREENProduct Liability Circle
Cyber Liability Eddy CIRCLE GREEN 2Cyber Liability Circle

General Liability

Covers medical and/or legal
expenses if someone gets injured at your place of business.

Professional Liability

Commonly known as Errors and Omissions, this covers your professional advice and services in case of mistakes.

Product Liability

Covers the physical product you are selling in case it is defective and leads to harm.

Cyber Liability

Covers the costs associated with a security breach or compromised confidential information.

general Liability Eddy CIRCLE GREENgeneral Liability Circle
Professional Liability Eddy CIRCLE GREENProfessional Liability – Circle
Product Liability Eddy CIRCLE GREENProduct Liability Circle
Cyber Liability Eddy CIRCLE GREEN 2Cyber Liability Circle

Top Commercial Property Coverages

Inland Marine

Covers specialized property and mobile equipment. These are often things that are difficult to replace.

Business Owners Policy

A great way to cover physical property damage is a BOP. This combines general liability and property Insurance
into a single policy.

Income Loss

Covers the loss of income during a business shut down related to a damaging event.

Crime

One way to protect company assets is a Commercial
Crime Policy. This covers theft, forgery, employee dishonesty, and others.

Top Commercial Auto Coverages

 

Auto Liability

Covers bodily injury and vehicle damage to others in case of an accident.

 

Rented & Non-Owned

Liability coverage while driving a non-business vehicle on behalf of work.

 
 

Workers Compensation

In the state of Ohio, all Workers Compensation
must go through the state. However, if you have questions
or employees based outside of Ohio, we welcome you
to reach out to our friendly experts!

Discuss Workers Comp Insurance

Workers Compensation

In the state of Ohio, all Workers Compensation must go through the state. However, if you have questions or employees based outside of Ohio, we welcome you to reach out to our friendly experts!

Discuss Workers Comp Insurance

Ready to explore Commercial Insurance?

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