Business & Commercial Insurance
If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
There is a range of liability protection to consider.
- Bodily injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents.
- Contractual Liability extends to any liabiltiy you may assume by entering into a variety of contracts.
- Other coverage incudes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types.
Need a quote? Contact Rentz Agency with the Business Owners (BOP) Quote Form or General Liability Quote Form.
As a business owner, you need the same kinds of insurance coverages for your work vehicle that you do for your personal vehicle: liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
Many people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your own name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. Visit with Rentz Agency about how you use vehicles in your business, who will be driving them, and whether employees (if you have them) are likely to be driving their own cars for your business.
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Workers compensation insurance covers workers injured on the job (whether they're hurt on the workplace premises or elsewhere) or in auto accidents while on business. It also covers work-related illnesses. Workers compensation provides payments to injured workers (without regard to who was at fault in the accident) for lost time from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents. (Please note: Workers compensation is not health insurance.)
Most states require that employers carry some form of Workers Compensation Insurance. Each state has different laws governing the coverage and how it works. Even in states that do not require Workers Compensation Insurance, it can be a good idea, especially if you have many employees, or if they are engaged in hazardous activities.
Workers Compensation Insurance must be bought as a separate policy. Although in-home business and business owner policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.
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