Business Insurance FAQs

Your business depends on the assets you've worked hard to build. Property insurance helps protect your buildings, equipment, inventory, and other business property from covered losses, helping you recover and get back to business quickly.

If your business owns or uses vehicles, commercial auto insurance helps protect your company from the financial impact of accidents involving bodily injury, property damage, and other covered claims.

Liability Coverage helps pay for injuries or property damage you cause to others.

Physical Damage Coverage (Comprehensive and Collision) helps repair or replace your vehicle if it is damaged in an accident, stolen, vandalized, or damaged by other covered events.

Uninsured and Underinsured Motorist Coverage helps protect you and your passengers if you're injured in an accident caused by a driver who has no insurance or doesn't have enough insurance to cover your damages. This important coverage helps provide financial protection when the at-fault driver's insurance falls short.

General liability insurance helps protect your business from everyday risks, including third-party bodily injury, property damage, and legal claims that can arise from your operations, products, or services.

Your employees are one of your most valuable assets. Workers' compensation provides benefits for work-related injuries or illnesses while helping your business meet state requirements and reducing financial risk.

Some claims can exceed the limits of your primary insurance policies. Umbrella liability insurance provides an extra layer of protection, helping safeguard your business from significant lawsuits and unexpected losses.

Cyber threats continue to evolve, regardless of your company's size. Cyber liability insurance helps your business respond to data breaches, cyberattacks, ransomware, and other technology-related risks by helping cover recovery costs and legal expenses.

Managing employees comes with legal responsibilities. EPLI helps protect your business against claims involving wrongful termination, discrimination, harassment, retaliation, and other employment-related issues. Many policies also include Third-Party EPLI coverage, which helps protect your business against employment-related claims made by customers, vendors, clients, or other non-employees.