Commercial or Business Insurance
Businesses, like individuals, need to carry insurance. Why? What if someone slips on your office stairs or is injured by a faulty product? An employee drops a heavy box on her foot? Someone claims their reputation was hurt by something published in your newsletter? Or, what if a fire damages or destroys your office? Commercial insurance is there to protect and defend your business, and to get you back to business in the event of a disaster or sudden, unexpected loss.
Commercial insurance comes in many packages which can be uniquely tailored to fit the needs of different kinds of businesses and their "loss exposures." A loss exposure is the possibility that financial loss will occur due to damage, loss of use, or someone claiming financial damages – for example, the possibility that a fire could damage your office is a loss exposure. Generally, a commercial policy starts with General Liability and a commercial package policy consists of liability and property insurance. However, you may also customize your commercial package policy with other insurance products depending on your needs.