Coverage Cultivated for Your Needs

Also known as Business Liability Insurance, this essential policy provides coverage against third-party claims arising from your franchise operations. These claims can involve property damage, bodily injury, personal injury or advertising injury. General liability coverage can help pay to repair or replace someone’s damaged property, cover medical bills following a hospital stay and resolve any court-ordered settlements or judgments.  

Whether you own a fleet of company-branded trucks or lease according to your business needs, Commercial Auto coverage is a vital policy that can help mitigate costly auto-related liability issues. Commercial Auto Insurance safeguards your bottom line against injuries or damages your employees may cause to others and their property. A commercial auto policy provides full physical damage coverage to your business-owned vehicle, including a $1,000,000 auto liability limit and a $1,000,000 limit for hired/non-owned auto liability. 

Consider your standard commercial insurance policies, such as workers' compensation, general and auto liability, as a rain jacket. It's more than sufficient to keep you comfortable and dry in a sprinkle. In a deluge, however, you might need additional protection. Commercial Umbrella Insurance provides this by shoring up your existing policy limits if you're concerned you might run out of coverage. 

Even the most careful employees can injure themselves in the workplace, resulting in expensive medical bills and lost wages. Workers’ Compensation Insurance protects your business by covering employee expenses arising from these incidents, such as medical bills, lost wages, disability and ongoing care costs. It also protects your finances if you’re sued by an employee who believes their injury resulted from unsafe workplace or business practices. 

Contractors pollution liability (CPL) is a contractor-based policy, offered on a claims-made or occurrence basis, that provides third-party coverage for bodily injury, property damage, defense, cleanup, and related defense costs as a result of pollution conditions (sudden/accidental or gradual) arising from contracting operations performed by or on behalf of the contractor.

Professional Liability Insurance, also known as Errors and Omissions (E&O) Insurance, protects your business against third-party claims of negligence or injury in your professional services. Common claims include alleged or actual negligence, personal injury and copyright infringement. A professional liability policy gives you unlimited defense cost assistance to help you respond appropriately. 
 

Bailee coverage is a type of insurance that provides inland marine coverage on property entrusted to the insured for storage, repair, or servicing.