Protect Your Business with Business Insurance

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Commercial business insurance provides multi-faceted protection for businesses. There are various types of commercial business insurance, from liability insurance to property coverage to Workers' Compensation policies.

If you own or operate a business, commercial business insurance is an important consideration for every business and shouldn't be ignored. Piedmont Insurance and Business Group is here to help you ensure that your business has the right coverage at the right price. Whatever your commercial insurance needs, we can work with you to create a customized protection program that’s right for you.

Business insurance policies vary in components and can be sold separately, although many carriers offer bundle packages consisting of multiple coverage types. Below are a few different coverages that we offer:

General Liability Insurance
General Liability covers bodily injury to others, personal injury (such as libel, slander), advertising injury, etc... general liability insurance is intended to protect operators and owners of companies against claims that could result from a wide array of sources. This is one of the most crucial coverages a business can have.
Workers Compensation Coverage
Workers' Compensation protects employers from claims resulting from injuries to its employees. It protects your business from lawsuits and provides employees with compensation for injuries that occur while on the job. By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job illnesses or accidents.
Commercial Property Coverage
Commercial Property Coverage insures the building(s), equipment, and contents of the business that are needed to operate it. In most cases, “property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.
Professional Liability (or Errors & Omissions)
Professional Liability (or Errors & Omissions) protects businesses or individuals in the event that a customer holds your company or business owner responsible for a service that was provided, or failed to be provided, and did not have the expected or intended results. This coverage is written in addition to general liability.
Business Income Protection
Business Income Protection covers loss of income and payment of expenses that continue while your business property is unusable. This product is strongly recommended, especially for businesses whose properties are crucial to business operations.
Business Auto Insurance
This is similar to personal auto coverage, however, a business auto policy can cover anywhere from one business vehicle to large and diverse commercial fleets.
Commercial Umbrella Coverage
Commercial Umbrella Coverage increases liability limits over and above those set in other business liability policies (including general liability).
Employment Practices Liability (EPLI)
Employment Practices Liability (EPLI) covers your business in the case an employee sues for a wide array of common reasons such as wrongful termination, discrimination, sexual harassment, and other reasons.

In addition to the common coverages listed above, we offer several additional types of business protection through our carriers. Please contact our authorized agents to help you create a customized insurance plan that will cover your business!

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