Regarding business liability and continuation in the event of a loss, the commercial policy must be up to date with all the financial information and coverages to avoid any unforeseen issues.

The most common policies we see are Business Owner Policies (BOP) which are made up of General Liability and Business Property coverages.  Otherwise, the most common standalone business policies are Commercial Auto, General Liability, Property, or Inland Marine.

The type of policy written depends on the type of Business and the type of work they are doing.  For example, a handyman does not need a complete BOP, and they would need General Liability and a Bond.  A doctor’s office that owns their building will fit right into a BOP to cover the General Liability, Business Property, and the Building.

We understand business insurance can be confusing, which is why we do not just sell you a policy; we ask many questions, listen, educate and provide options that make sense.  We work with you to design your business insurance policy, then shop it with all our commercial insurance companies to get you the best price!