Just as homeowners insurance protects a homeowner from the full cost of repairing unforeseen damage to a house, commercial property insurance protects businesses against damage to their buildings and contents. In the event of damage caused by fire or storm, for example, commercial property insurance can help repair or replace the buildings, inventory, equipment, machinery, and other business property affected.

Commercial property owners, both those operating a business on their property and those leasing property to another entity, can purchase policies that protect the building and associated structures. A property owner's policy, however, will not protect tenants from loss. Business owners who lease their property may buy policies that protect the building's contents, such as machinery, furniture and stored or displayed merchandise.

Worker's compensation protects an employer from liability for an accident involving an employee. This insurance pays benefits to your employees if they are injured on the job. Specifically, it covers their medical bills, a portion of lost wages, vocational rehabilitation and death benefits.

Almost every state requires by law that employers carry some form of worker's compensation insurance. Because the coverage amount is established by state law, benefits do not vary from company to company within the same state. Employers are protected by statute against other work injury liability, except in cases of extreme negligence. Failure to carry it exposes the employer to pay what the insurer would have paid, plus severe fines, and possibly jail time for violating the law. The benefits may amount to hundreds of thousands of dollars. The employer has a legal duty to ensure that employees get the legally mandated benefits without delay.

We are here to provide you with the information you need to get your business the right coverage. Please take a moment to look around our site and if you have any questions please send us an e-mail. We thank you for your business!