Commercial General Liability (CGL) Insurance, commonly known as “slip-and-fall insurance,” provides essential coverage to safeguard your business against everyday risks. When a business is held liable, it is responsible for the harm suffered by someone not part of the business. CGL offers protection in the event of third-party bodily injury or property damage that occurs at your business premises. If an accident occurs and it is determined that your negligence played a role, you could have to pay a substantial settlement amount.

Commercial Property Insurance offers financial assistance in covering the costs of property losses or damages caused by severe weather, fire, flood, theft, or vandalism. The building that houses your business is critical to its overall success. Incidents such as theft, vandalism, and adverse weather conditions can cause substantial damage to your property, resulting in significant repair expenses. You can protect your business from a major financial setback by safeguarding your most valuable assets through an insurance policy.

Business Interruption Insurance is designed to protect against the financial impact of a property loss by providing coverage for lost net income. In addition to compensating for lost income, this type of insurance may also cover necessary overhead expenses such as rent, electricity, and employee payroll. For example, if your gas station catches on fire and needs to temporarily close for restoration and repairs, Business Interruption Insurance would cover the income lost during the closure.

This coverage is essential if your business stores sensitive client information, bank records, or other vital information on its computer systems. As a business owner, it’s necessary to be realistic about cybercrime risks. To protect yourself fully, you’ll want to talk to one of our advisors, who can help assess your situation.

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Crime insurance is a necessary evil for businesses of all sizes. Not only do criminals often target businesses with valuable assets. If you’re the victim of an employee robbery or theft, this coverage will cover your lost money, securities and other property. If you’re not sure whether you need crime insurance or if you’re not sure how it would benefit your business, it’s best to speak with an insurance advisor.

Every business, regardless of size, should have a Group Benefits plan. It benefits your employees to get coverage at a reduced cost compared to most personal plans. Help reduce financial stress if something happens to protect your employees and their family’s health.

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