Business insurance (commercial insurance) is a set of policies designed to protect your company from financial loss due to property damage, liability claims, employee injuries, cyber incidents, and more.

Common coverages include General Liability, Commercial Property, Workers’ Compensation, Commercial Auto, Professional Liability, Cyber Liability, and Business Interruption/Loss of Income insurance.

General Liability protects your business against third-party claims of bodily injury, property damage, and advertising injury (such as slander or copyright infringement).

Workers’ Compensation covers medical expenses, lost wages, and rehabilitation for employees who are injured or become ill due to work-related incidents, while also protecting the employer from related lawsuits.

EPLI protects your business against claims of wrongful termination, harassment, discrimination, and other employment-related issues filed by employees or applicants.

Also called Errors & Omissions (E&O), Professional Liability protects service-based businesses from claims of negligence, mistakes, or inadequate work that cause financial loss to a client.

Cyber Liability helps cover expenses related to data breaches, ransomware, and other cyber threats, including investigation, legal defense, notification costs, and business interruption.