Did you know that in England insurance started with the business of shipping?
Merchants, ship owners, and others sought backing for their voyages in local coffee shops where interested parties reviewed the manifest. Signing at the bottom of the manifest with the value of the cargo for which they took responsibility (hence, underwriting) the insurance contract was complete!
In some ways everything has changed and nothing has changed, businesses today still need to share risks and burden of liability. Depending on your business you will need several types of insurance. Let’s discuss what they are and how they protect your business:
Commercial General Liability: Coverage for third-party accidents, property damage, and bodily injury.
Commercial Auto Insurance: It provides coverage for cars, trucks, vans, and other vehicles used in the conduct of your business.
Commercial Property Insurance: Covers damages to your building and contents due to events like fires, storms, and vandalism.
Cyber Liability Insurance: Cyber liability and data breach insurance plans are designed to provide comprehensive protection.
Workers Compensation Insurance: your employees may face unexpected injuries or illnesses related to their job. The benefits cover medical expenses for work-related injuries or illnesses, lost wages during recovery, and rehab.
Business Owners Insurance: General liability, property insurance, and more all in one convenient package. A BOP policy typically lets you add different types of coverage to meet the needs of your specific business.
Contractor Insurance: shields you from unforeseen incidents, such as property damage, bodily injuries, professional errors, and more.
No need to fear, we have a long history, of insuring businesses of every shape and size. Contact us today to discuss your needs!