Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitiation services. It also provides death benefits to surviving spouses and dependents
Any enterprise can be sued. People may claim that your business caused them harm as the result of, for example, a defective product, an error in a service or disregard for another person’s property. Or someone may allege that you created a hazardous environment. Your liability insurance pays damages for which you are found liable, up to the policy limits, as well as attorney's fees and other legal defense expenses. It also pays the medical bills of any people injured by your business.
Whether your business is large or small, we have the products to meet your needs. Every business and industry is unique and we will identify the ways to properly insure your business
Your company's commercial/business auto are part of your business's assets, make sure you protect them.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
If you are a business owner and your business owns, leases or operates a vehicle, do not risk it!
When you are insuring your vehicles it is important to ensure that all vehicles are listed and all drivers are disclosed. How you use your vehicles is just as important to determine what coverages are applicable. You also want to pay close attention to your liability coverages and to the different deductible options.Depending on the nature of your business different coverages are applicable
Make sure you have enought coverage, in the case of the unexpected event , you and your business are protected.
Commercial building insurance is important to have, regardless of the coverage you choose. Make sure the insurance policy and the coverage you choose suits your needs. keep your building, property and employees covered.
Two of the most popular types of commercial building insurance are called "named-peril" and "all-risk" policies. A named-peril policy covers property in the event of any specific hazards specifically mentioned in the contract. For instance, a named-peril policy might mention fire and explosions, while excluding floods.
The protection provided by the building insurance coverage will depend on a number of factors. The physical location of the property will be a major factor in what types of protection are included in the policy.