Whether you are delivering goods, going to the job site or even own a Black Car company, commercial liability auto is there to protect you, your company and others on the road in the even of a claim.
It can also keep your business going in the event your vehicle is out of commission for a time being.
If you are an artisan contractor, you will be asked for this type of coverage anytime you do a job. Same thing is you have a retail store front, when customers come through your doors.
General Liability is there to cover for slippage in your store, as well as the work you physically have done.
When you are a professional, where your word/work is on the line, a professional liability insurance policy like Errors and Omissions (E&O) policy is needed. A general liability only goes so far.
This coverage is there when you do not provide a physically tangible product, but mistakes you could make. Like a contract, drawing up plans, things you stated, etc.
A Business Owners Policy will simplify your policies, by combining your commercial liability policies property all in one. No longer would you need to have a separate general liability and business property policy.
Cyber Insurance The new General Liability insurance policy of the day. In this day and age when cyber attacks from hackers are frequent and coupled with 90% of the things we do is internet based, cyber insurance is a must need for your business and your client's data.
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