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Business & Commercial Insurance Information
You have to invest a lot in your business in order to make it successful. However, it only takes one problem—a fire, severe weather or injury lawsuit—to wipe out everything you have worked hard to build. You don’t want to face the prospect of losing everything, and with the proper business insurance benefits in place you will be able to withstand those challenges.
At Brooks McCall & Associates, Inc, we’re the insurance experts who can tailor commercial benefits specifically to the advantage of the individual customer. We’ll work hand in hand with you to develop a comprehensive business insurance portfolio that will always come to your aid at the times you need it most. It might feel daunting to try to select these policies entirely on your own, but with our help, you can get qualify, affordable benefits that are optimized to preserve your business’s success.
Call us at (302) 475-8200 or request your free quote
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.
If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
Broad Range of General Liability Protection
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.
Common Business Insurance Questions:
There are plenty of hazards that might impact any business:
Fires or severe weather could damage your property
Thieves or dishonest employees could steal company property or money
A customer could get injured on your property and sue you over the losses they sustain
Under these and so many other circumstances, your business could face financial setbacks, even financial ruin. That’s something no business owner wants to face. Proper business insurance will help your company design a protective cushion that you can rely on for financial support following a multitude of challenges that could arise unexpectedly at any time.
Business insurance is not a single policy like homeowners, auto or life insurance. Rather, it’s an umbrella term that refers to numerous commercial insurance options that the average business might need.
It’s up to you to find the optimized combination of benefits for your needs. Some of the policies that you can enroll in with our help include:
Commercial property insurance: If something damages physical property—such as your building or possessions—then this coverage can help you repair or replace them.
General liability insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
Business interruption insurance: This helps you pay the bills if you must temporarily close after a damaging accident.
Commercial auto insurance: When the company owns vehicles, this coverage will supply the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.
Workers compensation insurance: If an employee gets hurt on the job, they are often eligible for workers compensation. It will supply them supplementary income during their recovery.
Errors & omissions insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
Surety bonds: If you are contractually bound to certain clients, then bonds will guarantee them that you will repay them if you cannot meet your obligations.
Of course, there are many other policies available that are designed to protect you against specific risks and liabilities. These include:
Products/Completed Operations Liability Insurance
Cyber Liability Insurance
Umbrella Liability Insurance
Hired/Non-owned Auto Liability Coverage
Small business owners can benefit financially by bundling their essential coverage into a business owners policy (BOP). The BOP is designed for small operations, and allows you to get several benefits (property, general liability, business interruption) in one place and at one price.
Your company is a unique operation, which will mean that you will face a unique set of liabilities that will directly impact your insurance needs. Even if you were to compare the insurance portfolios of two businesses in the same industry, you will often find their coverage options to be vastly different, and for good reason. Our agents will work hand in hand with you to optimize the benefits within your portfolio in ways that offer you tailored coverage limits, deductibles, endorsements and other terms.
Numerous factors can influence the price of your commercial insurance, and all of your different plans will have different costs, based both on the coverage you choose and the risk factors that the insurer assumes by covering you.
We understand that you might have concerns about the burden that your benefits will have on your overhead costs, but we are committed to working with you to get you the coverage that offers you the best value on the market.