When combined appropriately and tailored to fit within your business, commercial insurance benefits can protect you from costly, unexpected losses in the business. Severe weather could damage your property, a customer could sue your business, someone might rob you, or countless other risks could  happen. No matter how small the problem might seem, the losses could be significant. You can rely on your business insurance to help you overcome those issues.  

Most businesses need several types of benefits. These might include: 

• Property Insurance: If something damages physical property – such as your building or possessions - then this coverage can help you repair or replace them.
• General Liability Insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
• Commercial Auto Insurance: When the company owns vehicles, this coverage will provide the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.
• Business Owners Policies (BOPs) and Commercial Package Policies (CPPs) are available, and offer convenient ways for you to package different benefits in one place.
• Workers Compensation Insurance: If an employee gets hurt on the job, they are often eligible for workers compensation coverage. It will provide them supplementary income during their recovery.  
• Errors & Omissions Insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
• Surety Bonds: If you are contractually obligated to certain clients, then bonds will guarantee them that you will repay them if you cannot meet your obligations.

Since your business is unique, you may need to further tailor your benefits package with coverage like: 

• Inland Marine Insurance
• Employment Practices Liability Insurance (EPLI)
• Products/Completed Operations Liability Insurance
• Cyber Liability Insurance
• Umbrella Liability Insurance
• Hired/Non-owned Auto Liability Coverage