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Commercial Insurance

Workers' Comp Insurance

Your workers get things done and ensure that your business achieves its goals. Protect them with workers’ compensation insurance, a type of insurance designed to help your workers should they suffer a work-related injury or illness. 

Some of the benefits of workers’ comp insurance (also known as workmen compensation insurance) include: 

  •  Medical treatment. 
  • Temporary disability payments. 
  • Permanent disability payments. 
  • Supplemental job displacement vouchers 
  • Death benefits 

In addition to the above, workers’ comp insurance may also protect you as a business owner by helping cover legal costs if a worker or their family decide to sue you. 

Another reason workers’ comp is important is because a standard business owner policy, or BOP, doesn’t cover your employees (see below for more details). 

It’s also worth remembering that workers comp is mandatory in California for businesses with at least one part-time or full-time employee. 


A business owners policy, or BOP for short, is a type of insurance that bundles together some of the coverages business owners need more often. 

When you purchase a BOP, you are actually getting three types of protection that safeguard key aspects of your business: 

  •  Property. Covers property owned by your business, from equipment to your building.
  • Liability. Helps cover the costs related to injuries that someone else sustains at your business or as a result of using your products or services.
  • Business interruption insurance. Replaces the revenue you lose if your business has to shut down due to an incident listed in your policy (such as fire or wind damage). 

Keep in mind that while BOPs cover a wide range of risks, they are far from the only protection your business needs. 

For instance, BOPs don’t cover your employees or your commercial vehicles. To get protection in those cases, you’ll need workers comp and commercial auto insurance, respectively. 

General Liability

Usually bundled in a business owner policy, general liability insurance can be purchased as a stand-alone coverage as well. 

This type of insurance offers protection against some common risks you face as a business owner. 

General liability insurance helps cover legal costs if a customer or competitor sues you for reasons such as: 

  • Bodily injury
  • Customer property damage
  • Advertising injuries
  • Damage to premises rented to you 

General liability insurance is one of the cornerstones of your business because very often a single claim can prove devastating if a small- or medium-sized business isn’t properly insured. 

Another important reason to carry liability insurance is that this type of policy is often a requirement to sign contracts with certain clients. Also, some landlords require you to carry it if you want to lease a commercial or office space. 

Get in touch with one of our agents today, and start leading your business with the confidence that you have the right protection in place. 


Commercial Auto

Commercial auto insurance is a coverage that protects the vehicles you use to conduct business. 

Having the protection of commercial auto insurance (also known as business vehicle insurance) is key because business owners policies don’t include coverage for your vehicles. 

Some of the vehicles usually covered by commercial auto insurance include: 

  • Cars 
  • Delivery vans 
  • Work vans 
  • Heavy trucks 
  • Food trucks 

The minimum requirements of commercial auto insurance will vary depending on where you live and the type of vehicles your business utilizes. 

Regardless of your specific situation, it’s always advisable to get insurance whose limits exceed the minimum required by law. This way your business will be better protected against potentially costly claims. 

Keep in mind that when it comes to commercial auto insurance, some businesses must comply with certain industry-specific requirements. Get in touch with our experts to build a policy that offers the level of protection your organization needs.