Resources

A Business Owners Policy (BOP) combines key coverages into one package designed for small to mid-sized businesses. It typically includes general liability, commercial property, and business interruption coverage to help protect against common business risks.

Contractors face a wide range of job-site risks. Common coverages include general liability, workers’ compensation, commercial auto, tools and equipment coverage, and builder’s risk insurance.

General liability insurance protects against bodily injury, property damage, and related legal claims. Professional liability insurance protects against claims of negligence, errors, or failure to deliver professional services as expected.

Trucking companies often need specialized protection such as primary auto liability, physical damage coverage, cargo insurance, and general liability. Proper coverage helps keep operations protected and compliant.

Cyber insurance helps protect businesses from losses related to data breaches, ransomware, cybercrime, and business interruption caused by digital threats. Even small businesses face growing cyber exposure.

Directors and Officers (D&O) insurance helps protect business leaders from personal financial loss if they are sued over management decisions, alleged mismanagement, or governance-related claims.

Workers’ compensation insurance provides benefits to employees who suffer work-related injuries or illnesses. It can help cover medical costs, lost wages, and rehabilitation expenses.

New businesses should review key coverages before operations begin. Common policies include general liability, commercial property, workers’ compensation, professional liability, cyber insurance, and commercial auto if vehicles are used.