GENERAL LIABILITY 
General liability insurance protects your business from a variety of things.Typically, your insurance agent can create a customized policy for you to include different types and amounts of coverage.

General Liability insurance protects a business from many liability issues, but business owners should also consider adding specialized liability coverage like errors & omissions insurance.

The following coverage is often included in a general liability line:
Business Personal Property (BPP)
Protection of your business’ property from:
    Fire, Theft – if you have an alarm, Vandalism

Claims due to: Bodily injury, Property Damage
• Terrorism coverage

COMMERCIAL AUTO LIABILITY 
Typical auto insurance quotes include the following coverage types:

Liability - insurance for property damage and injuries to others
   caused by you while operating your vehicle.

Medical - coverage for the driver and occupants of the insured vehicle.

Collision - insures the owner from loss during a collision with another vehicle.

Comprehensive - protection from damage caused by things other
    than vehicle collision
WORKERS COMPENSATION 
As a business owner, you do everything you can to protect your employees from potential dangers, but do you have workers compensation protection? Most business owners understand that workers compensation is important, but did you know that if you have employees, it is required by law for most businesses to have coverage? For anyone who is classified as an employee, it is required by law to provide them with workers compensation coverage. Employees can opt out of coverage, but if you do not offer it, you can be fined up to $2,500 a day and can face a Class D felony charge with a mandatory minimum one year prison sentence. Termination of an employee who is injured while working and/or who files a workers compensation claim is also illegal. As a rule, a company with five or more employees is mandated to purchase workers compensation insurance to cover medical expenses, permanent disability, and a portion of the injured employee’s wages. Having workers compensation coverage can save you and your business from costly lawsuits and employee issues.

Workers Compensation Insurance protects your business AND your employees, who are oftentimes a huge part of the framework of a company. Our agents can provide you with a coverage program that is specifically tailored to meet your needs. We can also provide you with a free workers compensation insurance quote. You'll be surprised at how much your business can save by choosing to place your policy with us! Workers compensation is a type of insurance coverage that protects your employees in case of injury or disease during the course of employment. Policies can provide coverage for:

• Medical expenses
• Lost income/wages
• Rehabilitation costs
• Death benefits
• And more…

BONDS: CONTRACTORS, UTILITY & FIDELITY 
A surety bond is a contract among at least three parties:

• The principal - the primary party who will be performing a contractual obligation
• The obligee - the party who is the recipient of the obligation, and
• The surety - who ensures that the principal's obligations will be performed.

A key term in nearly every surety bond is the penal sum. This is a specified amount of money which is the maximum amount that the surety will be required to pay in the event of the principal's default. This allows the surety to assess the risk involved in giving the bond; the premium charged is determined accordingly…
ERRORS & OMISSIONS  
A professional liability policy covering the policyholder for negligent acts and omissions that may harm his or her clients.
EMPLOYERS PRACTICES LIABILITY INSURANCE 
Provides protection against financial loss arising out of claims or suits brought by employees and/or prospective employees alleging wrongful termination, discrimination, harassment, etc.
PROFESSIONAL LIABILITY 
Provides protection against financial loss arising out of claims or suits alleging damages resulting from your acts, errors and/or omissions while providing professional services. Polices are tailored to address the specific professional exposure, i.e. medical, legal, technological, architecture, engineering, etc.
DIRECTORS & OFFICERS 
Coverage designed to protect the Directors & Officers of corporations as well as the corporation itself against litigation costs and ultimate settlements or judgments.
PROPERTY 
Property coverage is often divided into two parts in a business policy:

• Fixed Property
(buildings, fixtures, etc.)
• Contents (equipment, inventory, etc.) or it can be a combined single limit. The ways that your property can be covered are:
 "All Risk" or "Specified Peril."

ADDITIONAL COVERAGES... 
Fiduciary Liability Coverage

Fiduciary liability, also known as pension trust liability, provides coverage for loss that you become legally liable to pay because of a claim made against you for any alleged wrongful act by you or by any other person for whom you are legally responsible. It also covers the defense costs in connection with a covered claim. The policy is written on a claims made form.


Umbrella / Excess Liability Coverage

Provides limits in excess of that carried under the primary General, Automobile, and Employers liability
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