Business Insurance
General Liability Insurance
This crucial protection shields your company against third-party property damage or bodily harm claims resulting from your operations. It may pay for possible settlements or verdicts, medical costs, and legal fees.
Commercial Property Insurance
This policy helps cover losses or damage from things like fire, theft, or vandalism whether you own or rent a building or have important physical assets like inventory, furniture, and equipment.
Workers' Compensation Insurance
This policy is crucial if you have employees, as it covers medical expenses and lost wages for work-related injuries or illnesses. Most states, including Mississippi, require this coverage if you have a certain number of employees.
Commercial Auto Insurance
If your business uses vehicles, this policy provides coverage for accidents, damage, theft, and vandalism related to company-owned vehicles.
Professional Liability Insurance
For businesses that provide professional services or advice, this policy protects against claims of negligence or errors that lead to financial loss for clients.
Business Owners Policy (BOP)
A BOP is a bundled policy that typically includes general liability, commercial property, and business income insurance. It's a convenient option for small businesses that offer potential cost savings.
Commercial Umbrella Insurance
Provides an additional layer of liability protection beyond the coverage limits of your other business insurance policies. This is particularly useful when a lawsuit or claim exceeds the limits of your primary insurance policies.