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.

Professional Liability Insurance, also called errors and omissions (E&O) insurance or malpractice insurance, protects individuals from accusations of misconduct, negligence, or failure to meet advertised service standards if a customer alleges that your professional advice or service was incorrect and they experience financial loss or damage.

The purpose of professional liability insurance is to provide coverage for your legal expenses and any financial judgments that the court may impose.

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Commercial Property insurance safeguards the property and contents of your office and covers the expenses associated with replacing them in the event of a covered loss. Your office is a physical space and a representation of your professionalism and credibility.

Therefore, ensuring that all the necessary job-specific items within your office are adequately protected is crucial. By securing these items, you can minimize downtime and quickly resume operations after experiencing a loss.

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 critical to be realistic about cybercrime risks. To protect yourself fully, you’ll want to talk to one of our advisors, who can help you assess your situation.

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If you own a vehicle that you or your employees use for business purposes, such as attending meetings or visiting/driving clients, having commercial auto insurance can protect you. While a personal auto policy may not be sufficient in such cases, a commercial auto policy can help ensure that you are adequately covered in the event of a claim.

Ask an advisor if you need to add business use permission to your vehicle today to prevent gaps in your coverage.

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Every business, regardless of size, should have a Group Benefits plan to provide coverage for your employee’s health and dental needs. It benefits your employees by providing 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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