Commercial Insurance

Commercial Insurance Coverages

Commercial Automobile - Coverage for vehicles owned by and used for businesses, commercial institutions, and professional organizations.

Commercial Property- Coverage for business risks, including goods in transit, fire, burglary and theft.

General Liability - Provides coverage for an insured for their liability for bodily injury and property damage arising from accidents on premises, business operations on premises, business operations in progress, products manufactured or sold, and completed operations.

Professional Liability - Provides liability coverage to professionals for errors and ommissions arising out of their professional duties.

Worker's Compensation - Protects an employer if an employee is injured on the job, as well as provides income, medical, rehabilitation, death, and survivor benefits to workers injured on the job.

Group Health - Health insurance programs for small businesses and organizations.

Commercial Auto Coverages

Bodily Injury Liability Coverage
Provides protection for damages you're legally obligated to pay because of injuries you cause to others in a covered accident. This coverage also provides for legal costs associated with defending claims and lawsuits against you or your company, that arise out of accidents for which you may be liable.

Property Damage Liability Coverage
Provides protection for damages you're legally obligated to pay because of damage you cause to the property of others in a covered accident.

Medical Payments Coverage*
Provides payment for the reasonable and necessary medical treatments you or your employees incur as a result of a covered accident.

Uninsured Motorist Bodily Injury Coverage**
Provides protection if you or your employees are injured in a covered accident caused by an uninsured driver. Coverage will vary by state.

Uninsured Motorist Property Damage Coverage
Provides protection if you or your employees are injured in a covered accident caused by an uninsured driver. Coverage will vary by state.

Collision Coverage
Pays for damage caused to your commercial vehicle resulting from a covered accident with another car, or a covered collision with most anything else (such as a tree).

Comprehensive Coverage
Pays for damage to your commercial vehicles for covered losses not caused by collision or from the auto being overturned. This may include, among other things, fire, theft, hail, flood or vandalism.

Non-Owned Auto
Provides liability protection for your business, for injuries or damages that your employees are responsible for if they get into an auto accident involving their own vehicle while they are ”on the clock.”

Hired Auto
Provides liability coverage for you, as the business owner, when you rent vehicles for use in your business on a short-term basis. For an added level of protection, you may also consider Hired Auto Physical Damage Coverage, which provides comprehensive and collision physical damage protection to the vehicles you rent on a short-term basis.

Loading and Unloading
Provides liability protection for damage resulting from the handling of property during the loading onto or unloading from your covered vehicle.

Additional Insured
Provides liability protection for other entities you may work for or lease vehicles from.

Rental Reimbursement
If you have a covered comprehensive or collision loss as an insured person, this coverage typically reimburses you for the cost of renting vehicles, up to the dollar amount limit per day shown on your policy.

Drive Other Car
Provides liability and physical damage coverage protection if you or your employees rent private passenger cars on a short-term basis, even when there's no personal auto liability policy in force.

Audio, Visual and Data Electronic Equipment
Provides protection for equipment that receives or transmits audio, visual or data signals and that is not designed solely for the reproduction of sound. Equipment must be permanently installed in the vehicle or removable from a housing unit that is permanently installed in the vehicle, using the vehicle's electrical system for power.

Please Note: These insurance coverage descriptions are intended only as a guideline. All terms and coverages are defined solely by your policy.