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Commercial Insurance

    Business Package Policies are tailored towards smaller and mid-sized companies to offer very comprehensive coverage and to alleviate coverage gaps.
    Coverage includes property insurance for buildings and contents owned by the company. It also provides the element of legal liability protection to cover a company's legal responsibility for the harm it may cause to others.
    This coverage provides replacement income and medical expenses to employees who are injured or become ill due to work related responsibilities. Financial benefits may also extend to workers' dependents and to the survivors of workers who are fatally injured on the job. In most circumstances, workers' compensation pays relatively modest amounts of compensation and prevents workers or dependents from suing the employer for the injuries or death.
    Companies with more significant assets may considering purchasing a commercial package policy or customize their policies to meet their special-risk needs. Commercial multiple peril policies, often purchased by corporations, bundle together property, boiler and machinery, crime, and general liability coverage.

    Most of America's 11 million home-based businesses are vulnerable to significant financial losses because they do not have the proper business insurance coverage, according to a survey by the Independent Insurance Agents & Brokers of America. Secure your home business today with The Insurance Loft.