Commercial insurance is a coverage that protects your small business from financial damages that may result from accidents, property damage, professional errors, workers’ compensation claims and other situations. Having accurate coverage is essential to minimize the negative impact of claims against your company.
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Varieties of commercial insurance.
From basic coverage to specialized protection, DNF Insurance offers several types of commercial insurance to allow you to obtain adequate coverage for each stage of your business development.
Types of Coverage
Most small businesses need this coverage. It protects against things like bodily injury, property damage, completed operations and advertising injuries arising from your business. Sometimes people refer to this coverage as “commercial insurance.”
You probably need this coverage if you use your vehicles for your business. This may include traveling between work sites, delivering or transporting tools and equipment. Provides liability and protection against physical damage to your company’s vehicles and trailers.
Civil liability protection for companies that offer a professional service or advice. Protects against claims of negligence, such as giving incorrect advice or not providing a service. It is also known as errors and omissions (E&O).
Protects against electronic threats, such as data breaches and cyber attacks. Companies that store or process confidential data, such as credit card information or customer records, should consider this coverage.
Business Owners Policy (BOP)
This coverage groups the liability and property coverage into a single policy. Common for small businesses with commercial buildings or personal assets.
This protects you and your employees. It helps pay things like medical costs and lost wages of employees who are injured or ill at work.