Business Insurance

Every business faces risks — accidents, lawsuits, losses, or unexpected events. With our business insurance solutions, you gain the peace of mind of being covered at all times, so you can stay focused on growing your company.

GENERAL LIABILITY

The most basic and essential insurance for any business. It protects against damages your company may cause to third parties due to accidents, negligence, or unforeseen events.

Coverage:

  • Bodily injuries to third parties (customers or visitors)
  • Damage to third-party property
  • Legal expenses in case of a lawsuit
  • Claims for false advertising or defamation

 

Example: A customer slips in your store and sues you. The insurance covers medical expenses and attorney fees.

COMMERCIAL AUTO

Covers vehicles used for business purposes such as delivery trucks, vans, company cars, or service vehicles.

Coverage:

  • Collision and accident damages
  • Bodily injuries to third parties
  • Theft or vandalism
  • Cargo damage (in some cases)

 

Example: Your delivery driver gets into an accident and damages another car. The insurance covers repairs and liability.

WORKERS’ COMPENSATION – Seguro para Empleados

Mandatory in most states if you have employees. It protects both employer and employees in case of workplace accidents.

Coverage:

  • Medical care for injured employees
  • Wage replacement during recovery
  • Medical rehabilitation
  • Disability or death benefits

 

Example: A construction worker is injured on the job. The insurance covers ambulance, treatment, and lost wages.

BOP – Business Owner’s Policy

A bundled policy that combines General Liability with Commercial Property, and sometimes other coverages. Ideal for small and medium-sized businesses looking for protection at a lower cost.

Coverage:

  • Property damage (fire, theft, flood)
  • Equipment, inventory, and furniture
  • Liability protection (same as General Liability)
  • Business interruption losses

 

Example: Your shop suffers a fire and must close for two weeks. The BOP covers repairs and lost income.