Commercial Lines

Commercial Auto

You would usually think of commercial auto coverage for trucks, cargo, and inland marine, but it also extends to auto coverage when the employee uses their auto for business. Many small businesses miss this coverage leaving them open to economic loss due to lack of proper coverage.

Commercial Property

Commercial property coverage includes coverage for risk associated with being a landlord or business owners. Standard coverage might include: fire, liability, burglary and vandalism. Additional coverage might include loss of rents or income, extended sewer backup, valuable papers, and art. Again flood and earthquake are not usually covered on these policies but can be acquired for additional premium.

Workers Compensation

A policy conforming to state law which pays benefits to an employee (or an employee's family) if the employee suffers a job-related injury (including death) or occupational injury