Business Insurance Made Simple.

• Customer or visitor injuries at your business
• Damage you accidentally cause to someone else’s property
• Certain advertising and personal-injury claims

ExampleA client trips over a cable in your office and is injured. General liability can help with covered medical bills and your legal defense.

• Medical care for covered work-related injuries or illnesses
• A portion of lost wages while an employee recovers
• Employer’s liability if you are sued over a workplace injury

ExampleA kitchen employee burns their hand during a shift. Workers’ compensation can help pay for treatment and part of their wages while they heal.

• General liability for everyday claims
• Commercial property for your space, equipment and inventory
• Business income if a covered loss forces you to pause

ExampleA pipe bursts and floods your shop. A BOP can help repair the space, replace damaged inventory and replace lost income while you are closed.

• Claims that your advice or service caused a client financial loss
• Allegations of errors, omissions or negligence
• Legal defense costs, even if the claim has no merit

ExampleA client says your consulting recommendation cost them a contract and files a claim. Professional liability can help with your defense and covered damages.

• Your building, if you own it
• Equipment, furniture, inventory and supplies
• Losses from covered events like fire, theft or certain weather

ExampleA fire damages your studio overnight. Commercial property can help repair the space and replace damaged equipment.

• Liability for accidents involving business vehicles
• Physical damage to your vehicles
• Hired & non-owned auto for rentals and employee cars

ExampleAn employee rear-ends another car while making a delivery. Commercial auto can help with the other driver’s damages and your vehicle repairs.

• Response costs after a data breach, such as notification and forensics
• Ransomware and certain network interruptions
• Claims from customers whose data was exposed

ExampleRansomware locks your client files the week before a deadline. Cyber coverage can help with recovery experts, certain costs and related claims.

• Extra limits above general liability, auto and employer’s liability
• Large claims that exceed underlying policy limits
• Contracts or venues that require higher limits

ExampleA serious accident in a company van leads to a claim above your auto policy’s limit. An umbrella can help pay covered amounts beyond it.