Business & Commercial Insurance
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Business & Commercial Insurance Information
Insurance for Businesses in Connecticut, Florida, New Hampshire, Virginia and Vermont
Starting and running a business is a huge responsibility. While it can be rewarding, it also comes with a variety of risks when it comes to operation. Protecting against those risks is one of the responsibilities you have as a business owner, and you can do so with a comprehensive business insurance policy.
Greening, Abercrombie & Piekarski Insurance helps business owners across the U.S. find and tailor business insurance policies specifically for their business. Out dedicated agents will work closely with you to identify your business’ risks and find a policy that suits your needs and your budget.
What Does Business Insurance Cover?
There are many types of insurance available for businesses across industries and specialties. Some of the most common and important business insurance types include:
General Liability Insurance
General liability insurance covers accidents of non-professional negligence that may cause bodily injury or property damage on your business’ property. This insurance can help cover a guest’s medical bills if they are injured on your property as well as protect your business from a lawsuit.
General liability insurance also covers personal and advertising injury. This covers claims against your business regarding copyright infringement, malicious persecution, libel and slander.
Umbrella Liability Insurance
Umbrella liability insurance serves to fill in gaps left by your other liability insurance. For example, if your general liability policy reaches its limit for a single claim, umbrella liability insurance can step in to cover the remaining balance. This can also help with the liability insurance on your business’ commercial auto insurance policy.
Commercial Auto Insurance
Commercial auto insurance covers vehicles used or borrowed by the business for work purposes. This insurance can cover damages to the commercial vehicle, medical payments for the driver and their passengers, as well as liability in case the driver causes bodily injury or property damage to someone else. A full coverage commercial auto insurance policy may include:
- Comprehensive Coverage
- Collision Coverage
- Personal Injury Protection
- Uninsured/Underinsured Motorist
You may also need Hired or Non-Owned Auto for vehicles that are borrowed but not owned by the business.
Workers Compensation Insurance
If you employ workers, you will need workers compensation to protect them. Workers compensation insurance provides assistance if an employee is injured in an accident while on the job. This insurance can cover medical payments, wage replacement, disability benefits and, in extreme cases, death benefits.
Protect Your Business
Insure your business with a business insurance policy. Call Greening, Abercrombie & Piekarski Insurance at (203) 239-3395 or fill out an online quote form to get started today.
Common Business Insurance Questions
When you purchase a business owners policy, you may pay monthly premiums in return for coverage. So long as the policy is active, you can file a claim to receive compensation for damages and claims that your business may face.
Workers compensation is one of the few insurance policies required by state law. These requirements vary by state.
New businesses need a wide range of insurance for protection, especially in the first few years of operation. Every business is different, however, so be sure to speak with an insurance agent about how much coverage your business needs.
In some cases, you may need to obtain business insurance in order to purchase a business license. Many licenses and permits come with the requirement that the one pursuing the license or permit must purchase and carry related insurance.