(BOP)

Businessowners Policy

An insurance package for small businesses that includes coverage for building structures, loss of income, and liability coverage that protects a business' financial responsibility should a party be harmed due to employees, operations, or products related to the business.

Builders Risk

Covers damage to buildings and other materials while they are under construction. These other materials may include fixtures, tools, and other equipment used in the construction or renovation of a building.

Commercial Auto

Covers vehicles used for business purposes. This type of policy can provide higher limits of liability typically sought out by businesses.

(Umbrella)

Excess Liability

A supplemental liability policy that provides extra coverage on top of an underlying auto liability, general liability, or employer's liability policy.

General Liability

Covers bodily injury, property damage, or personal injury caused by business operations, products, or employees (also included as part of a BOP as mentioned above).

Inland Marine

Covers damage to business property that is moveable and 'in transit' over land.

Professional Lines Liability

Liability coverage for business individuals working in specialized areas such as financial services, legal assistance, and medical. Examples of this coverage include Errors & Omissions coverage, as well as coverage for Directors & Officers.

Workers' Compensation

Covers medical costs and lost wages for any employee who gets injured or sick while on the job. Only injuries or illness sustained while "on the job" will be covered.