You need commercial auto coverage if you or your employees will use titled vehicles in their work. Many small-business owners believe that if their car is in their personal name then commercial coverage is not necessary and their personal auto policy will cover the auto. This is not true. Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes. Commercial auto policies are also needed if you need higher liability limits, haul special equipment, transport goods or have other special needs in your business.
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If your business has employees, it is required to carry workers' compensation insurance, which covers medical bills and lost pay for employees who are injured on the job. Workers' comp also includes employer liability coverage, which compensates families of employees permanently disabled or killed at their workplace.
This insurance protects you if anyone is injured at your place of business. It also covers any injuries that might be caused by a product or service you sell.
As you might suspect from its name, umbrella coverage is intended to fill in any gaps left by all your other forms of insurance. If your business is complex or exposes you to many risks, for instance, if you make a product that could injure people or damage their property, umbrella coverage ensures you won't be stuck with a big bill.
Also referred to as a “Course of Construction” Policy. This insurance provides coverage from loss or damage to the job site. For example, a fire burns a partially completed house down. Builders Risk pays for the replacement of materials and labor cost. It also covers theft and vandalism.
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