Commercial AutoMost people think a personal auto policy would suffice for business. This is just not true as there may be differences in terms of policy limits, exclusions, definitions and eligibility. Every business that uses vehicles in the name of their business for something other than business errands should have Commercial Auto Insurance. The size of your business does not matter either. Depending on the type of policy and coverage, this insurance covers cars, trucks, vans or even a large fleet of vehicles.
Commercial PropertyWhether you own your building or lease a suite, you need to protect it from the unexpected. Commercial Property Insurance protects your building, everything in it and just outside of it. Without this coverage, one lawsuit or mishap could send you into bankruptcy and close your doors for good.
Commercial UmbrellaThis additional coverage limit could help you be more prepared if the unthinkable happened and could prevent you from needing to rely on your valuable assets to pay for judgements above your policies’ underlying limits.
General LiabilityNo business owner should be without this as it protects you and your business from general claims. It can help provide reimbursement for the resulting medical, repair, and legal expenses if your business is held liable for damaging someone’s property or injuring them.
Professional LiabilityMost commonly referred to as Errors & Omissions coverage provides coverage for businesses and professionals to protect against claims of negligence from clients or customers. It typically can provide coverage for negligence, copyright infringement, personal injury and more.
Workers Compensation
This is a mandated coverage in NV for employees. It provides medical care, rehabilitation and lost income for your employees if they become ill or injured at work, death benefits for survivors and addresses potential liability for covered claims.
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