Business & Commercial Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Business & Commercial Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Add Driver to Existing Commercial Auto Policy
Add Vehicle to Existing Commercial Auto Policy
Remove Driver from Existing Commercial Auto Policy
Remove Vehicle from Existing Commercial Auto Policy
Request Declaration and Coverages Page for Commercial Auto Policy
Request General Liability Certificate of Insurance
Request ID Card for Commercial Auto Policy
Business & Commercial Insurance Information
Every business owner’s risk of getting sued has significantly increased over the last decade. General liability coverage can prevent a lawsuit against your business from becoming financially detrimental by providing protection in the event that your business is ever sued or held legally liable for a third party injury or property damage.
General liability coverage pays losses, whether grounded or frivolous, resulting from property damage, bodily injury or personal injury that occurs on business property or as a result of operations.
General liability includes these broad coverages:
- Property damage: covers physical damage to third party property
- Bodily injury: covers the cost of medical treatment, lost wages and, in extreme cases, funeral expenses
- Products liability: covers expenses associated with product-related injuries or accidents
- Products-completed operations: covers expenses associated with an injury resulting from a product or service your business provided
- Other coverages: contractual, legal defense costs, borrowed equipment, reasonable use of force, liquor liability, non-owned vehicles, medical expenses and specialized liability coverages for specific industries
Businesses that rely on the use of vehicles (even if they are personally owned) need commercial auto coverage. Similar to personal auto insurance, commercial auto coverage includes liability, collision, comprehensive, medical payments and uninsured motorists, depending on the details of your business’ policy. If your business owns the vehicle, ensure that the name of the business is listed as the “principal insured” rather than your own name to avoid possible confusion when handling claims.
To determine your commercial auto insurance needs, an insurance agent will ask you details about how you use vehicles within your business, who drives them and whether employees use company or personal cars for business purposes.
While the major coverages are quite similar, a commercial auto policy differs from a personal auto policy in many ways. We’re happy to discuss your options and find the best solution for your business.
Workers compensation laws were established to provide employees who are injured on the job with fixed monetary benefits, eliminating the risk of related lawsuits. It is also beneficial to employers because most states limit the amount an injured employee can receive per claim.
Workers compensation insurance is designed to help businesses pay these benefits and, in fact, most states require that employers carry it in order to operate. However, note that workers compensation insurance is not health insurance; rather, it specifically aims to cover injuries sustained on the job.
Even if your business is located in a state where workers compensation is non-mandatory, it is still a good idea as a protection to both your employees and your business’ finances.
Is workers compensation insurance right for my business?
Businesses have a legal responsibility to their employees to provide a safe workplace. However, accidents can happen even if every safety measure is taken.
Most states require businesses to purchase workers compensation in order to provide medical treatment and compensation for lost wages to employees injured on the job and to protect employers from resulting lawsuits. Workers compensation insurance extends to both employees in the workplace and elsewhere, regardless of fault, so long as they’re performing job tasks. It also covers job-related illnesses and death benefits to surviving dependents of deceased workers.
Each state has unique laws regulating the amount and duration of lost income benefits. For instance, depending on state laws, a worker may or may not be able to choose the doctor who treats his or her injuries.
Workers compensation insurance is sold as a separate policy, as it is often excluded from packages such a business owner’s policy (BOP).