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.

Equipment Breakdown Insurance provides coverage for repairing or replacing costly electrical or mechanical equipment damaged due to power surges, electrical shorts, or mechanical malfunctions. This type of insurance applies to various office equipment, such as computers and photocopiers, as well as the HVAC system in your building.

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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 close for restoration and repairs temporarily, Business Interruption Insurance would cover the income lost during the closure.

Auto repair shops often store valuable tools, equipment, and parts that can be attractive targets for thieves. Additionally, the cash flow associated with your business can make it a potential target for employee theft or fraud. Crime insurance helps mitigate the financial impact of these unfortunate events, ensuring that your business remains resilient and can quickly recover from any losses. If you’re the victim of an employee robbery or theft, this coverage can cover your lost money, securities and other property.

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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