​What Type of Insurance Do I Need? 



​General Liability:

Provides coverage if you or your employee or your products or services cause or are alleged to have caused bodily injury or property damage to a third party.

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Property Insurance:

If you own your building or have property such as office equipment, inventory or tools, this is the coverage you need in order to have coverage if you have a fire, smoke, vandalism damage or a theft. 



Business Owners Policy (BOP):

Combines General Liability and Property coverage into 1 policy & usually saves money over all. 



Commercial Auto Insurance:

Protects vehicles that belong to the business or are used mostly for the business.

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Workers Compensation:

Provides coverage for employees who are injured on the job. In exchange for this coverage, the employee gives up the right to sue the business for for the accident/incident.

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Errors & Omissions Insurance:

Also known as "Professional Liability". Covers you when you make an honest mistake that leads to a consumers hardship. This is an important coverage for CPA's, Lawyers, consultants of any kind, notaries, real estate agents, hair salons and technology providers (just to name a few). 



Directors and Officers:

Protects those responsible for business decisions against accusations of actions that affect the profitability or operations of the company. Embezzlement often triggers this coverage, but it can be honest mistakes that trigger it too, such as a bad judgment call. 



Data Breach:

If the business stores any sensitive or non-public information about employees or clients on computers, servers or in paper files, the business is responsible for protecting that information. If a breach occurs, this coverage will provide protection against financial loss.