As a small business owner, we know you wear many hats. You manage marketing, finance, operations, human resources, product development, IT and many more functions. When you’re insured with us, you can feel comfortable knowing that we’ll take care of you with business owners insurance.
Our coverage includes:
|Property: We’ll provide coverage for your buildings and business personal property, along with property of others in your care, stock, and more.
|General Liability: When you own a small business, you need protection from claims and lawsuits against you for Bodily Injury, Property Damage and Personal and Advertising Injuries resulting from your operation or products. Don’t worry – we have you covered.
|Business Income: If you can’t operate your business due to a covered claim you’ll have coverage for lost income, operating expenses and costs incurred while the business is shut down for up to 12 months. Our policy covers certain extra expenses needed to get your business up and running as soon as possible after a loss.
|Equipment Breakdown: When your equipment breaks down, your wallet shouldn’t have to. Affordable Equipment Breakdown coverage will repair or replace damaged electrical and mechanical equipment after a covered incident.
|Employment Practices Liability: Almost every business, both large and small, is at risk for employment claims. Our affordable coverage provides protection against allegations of discrimination, wrongful termination, hostile environment and other employment related claims.
|Cyber: Can you risk paying out of pocket expenses when your business suffers a cyber breach?
You may be responsible for breach remediation expenses for your victims, the resulting state fines and penalties, your data recovery and network protection, extortion monies, liability claims, etc.
Our Cyber coverage is designed to protect you from the ever growing threat of a cyber breach that exposes personal identity information of your customers, employees and business partners.
We understand each business is unique — it’s the ecosystem of our small business culture in the U.S. With more than half of Americans owning or working for a small business, we understand your coverage needs to be tailored to your needs. We also provide:
|Coverage Enhancement Options: Our Standard Coverage Enhancement adds an additional layer of coverage to your base policy at no cost, increasing protection and security for your business.
Our Preferred Coverage Enhancement and Prestige Coverage Enhancement are optional bundles of broadened coverage and limits to better suit your unique business needs.
|Contractors Installation, Tools and Equipment Enhancement: Designed to meet the needs of our specialty trade contractors. You can purchase affordable coverage for loss or damage to materials awaiting installation on job sites, in transit and in storage. Protect your tools and equipment and employees’ tools, as well as cover the expense to rent equipment to replace the damaged piece.
|Multi-policy Discount: When you combine your business owner's and commercial auto policy, we can help you save.*
*Available in CT, RI, ME and NH
We can’t fill in for your lead assistant when he or she goes on vacation, but we’ll fill in after a covered loss. We’ll get you and your company back on your feet. Talk to your insurance agent about how we can help.