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Commercial Insurance

Commercial Insurance

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Commercial Insurance

It is the coverage for businesses against potential losses through unforeseen circumstances like theft, liability, property damage and for the coverage in the event of an interruption of business or injured employees. Put quite simply, commercial insurance consists of one or more types of coverage designed to protect businesses, their owners and their employees. Many business insurance policies include basic coverages such as property, liability, crime and commercial auto insurance, as well as other optional insurance, such as business interruption insurance, equipment breakdown insurance, and workers compensation. A business owners policy (BOP) combines business liability, commercial property and business income coverages into one cost-effective package for small businesses.

Automobile Insurance

If you are in the market for automobile insurance, you have a lot of choices.  No matter where you purchase your policy, there are some things that are common to all policies. For example, all policies have a deductible. The deductible is the amount of money that you have to pay out-of-pocket before the insurance company will pay anything on your claim. Another common feature of automobile insurance policies is the liability coverage. This coverage protects you if you are responsible for injuring someone else or damaging their property. Most policies also include collision coverage and comprehensive coverage. Collision coverage pays for damage to your car when it is involved in an accident. 

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Business Interruption Insurance 

Business interruption insurance is a type of property insurance that compensates a business for lost income resulting from some covered event. For example, a fire in the building where the business is housed would be a covered event. The business interruption policy would reimburse the business for the lost income it suffered as a result of having to relocate or cease operations while the building was being repaired. 

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Commercial Property Insurance

Whether you own your building, lease your workspace or work from home, business property insurance protects your business’ physical assets against loss or damage from a broad range of causes including theft, fire, smoke, water, and vandalism.

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Commercial Auto Insurance

Commercial auto insurance is a type of insurance that covers cars and trucks used for business purposes. It protects the business from financial losses if the vehicle is involved in an accident. Commercial auto insurance policies vary, but typically cover the driver, passengers, and vehicle. The policy may also provide coverage for medical expenses and property damage. Special coverage may be purchased for the vehicle, such as collision and comprehensive. 

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Commercial General Liability Insurance

Commercial general liability insurance is a type of insurance that provides business owners with coverage for certain types of claims, such as bodily injury, property damage, and personal injury. This type of policy can help protect businesses from the financial consequences of a lawsuit if someone is injured on their property or if something they produce causes harm to someone else. Commercial general liability insurance is a necessary safeguard for any business that wants to protect itself from the potentially costly consequences of a legal claim. 

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Contractor- controlled insurance programs

In the construction industry, general contractors are often responsible for the safety of their workers. They may do this by having their own safety program or by requiring their subcontractors to have a safety program. General contractors may also require that workers be covered by workers’ compensation insurance. However, many general contractors choose to use a contractor-controlled insurance program (CCIP). A CCIP is an insurance program that is controlled by the contractor. The contractor selects the insurance company, sets the rates, and decides which employees are covered. 

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Crime Insurance

Crime insurance is a type of insurance that covers individuals and businesses against losses incurred as a result of crime. The coverage can include items such as stolen property, vandalism, and loss of income due to a business interruption. Crime insurance is a specialized type of insurance that is not offered by all insurers. It is important to work with an agent who has experience in providing crime coverage to find the right policy for your needs. 

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Cyber liability Insurance

Cyber liability insurance is a type of insurance that helps protect businesses from the financial damages that can occur as a result of a cyber attack. This type of insurance can help cover expenses such as forensic investigations, data breach response costs, and credit monitoring services for affected individuals. In addition, cyber liability insurance can also help protect businesses from potential lawsuits that may arise as a result of a data breach. 

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D&O Insurance

D&O insurance is a type of liability insurance that provides protection to a company's directors and officers from personal financial losses in the event that they are sued for wrongful decisions or actions while in their corporate roles. The coverage can also extend to employees who are privy to confidential company information. D&O policies can be written to cover individual directors and officers, or the policy can provide blanket protection for the entire company. Data breaches can expose a business to civil lawsuits that seek damages for the costs incurred as a result of the breach. Companies are often held liable for their own negligent data protection practices, and this type of liability is referred to as “contributory negligence”. 

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Error and Omission Insurance

Errors and Omissions Insurance (also called Professional Liability Insurance) does what its name implies: it covers your professional mistakes (errors) and the things you overlook (omissions). If you're sued over a professional mistake or oversight, this policy can help you pay for legal expenses.

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Event Liability Insurance

Events Liability Insurance is a short-term liability insurance that can help protect against the unexpected.

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Equipment Breakdown Insurance

Equipment breakdown insurance is insurance that covers the cost of repairing or replacing damaged equipment. This type of insurance is important for businesses that rely on equipment to function. Equipment breakdown insurance can help businesses recover from unexpected repairs or replacements.

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Fleet and Garage Insurance

Fleet Insurance is an automobile insurance that insures groups of at least five vehicles that are under common ownership or management and that are used for business, commercial or public purposes.

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Overland Flood Insurance

Sometimes homeowners discover that they do not have flood insurance. This is because their homes are not in a designated flood zone. The problem is that most people do not think they need it until it's too late. And even if you live in a designated flood zone, your home may not be covered if it is deemed to be in a high-risk area. That's why it's important to buy supplemental overland flood insurance. This type of policy will provide coverage for damage caused by flooding that occurs outside of a traditional flood zone. It's important to note that overland flood insurance does not replace traditional flood insurance; it simply provides additional coverage. 

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Owner- Controlled Insurance program

One option is to buy insurance on the individual market. But that can be expensive, especially if you have a pre-existing condition. There is another option: an owner-controlled insurance program. This is a type of group health plan that is set up specifically for business owners and their employees. The business owner is in charge of the plan, and he or she decides which health care providers and benefits the employees will have access to. Owner-controlled insurance programs can be a great way to get affordable health coverage for you and your employees. They're also a good option if you want more control over your health care choices.

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Product Liability Insurance

Product liability insurance is a type of insurance that helps protect companies from lawsuits that may arise when products they have manufactured or sold cause harm to consumers. This type of insurance can help protect a company’s assets in the event of a lawsuit, and can also help pay for legal fees associated with defending against such a lawsuit. 

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Trade Credit Insurance

Trade credit insurance is a policy that protects companies from losing money when their customers do not pay their bills on time. The policy covers the cost of goods that have been shipped to the customer, but have not yet been paid for. This type of insurance is important for companies that rely on sales to other companies to stay afloat.

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Homeowners Insurance

Trade credit insurance is a policy that protects companies from losing money when their customers do not pay their bills on time. The policy covers the cost of goods that have been shipped to the customer, but have not yet been paid for. This type of insurance is important for companies that rely on sales to other companies to stay afloat.

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Personal Insurance

How can we help you?

To discuss how our team can help with your tax planning, please

Contact us