Commercial Insurance

We offer insurance packages that are tailored for different types of businesses. 

Whether it is insurance for your building, business property, equipment, inventory, company vehicles or workers' compensation, we offer products and services to protect your business. In addition, we offer group health and retirement plans.

Property Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

• Direct losses when property is lost, stolen, damaged or destroyed.
• Indirect or consequential losses related to direct losses may also be covered.

Commercial General Liability Insurance

Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

• Premises and Operation
• Fire Damage Liability (damage by fire to premises rented to insured)
• Personal and Advertising Injury
• Medical Payments
• Products / Completed Operations

You may want to consider a Business Owners Package (or BOP) which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and work with you to determine if they make sense for your business.

Business Auto Insurance

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semi-trailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

Directors & Officers Insurance

D & O coverage protects individuals and companies against allegations involving breach of fiduciary duty, inadequate disclosure, violation of anti-trust laws, deceptive trade practices, as well as others.

Employment & Related Practices Liability Insurance

Employment Related Practices coverage covers you, your corporation, your directors, officers and employees from actual or alleged wrongful acts related to employment and workplace disputes, as well as from unexpected legal fees and judgments.

Bonds

Bonds are not insurance, but are commonly issued by insurance companies. A bond is a financial guaranty by an independent party of an obligation that one party has to another.

Commercial Umbrella

This policy provides coverage that creates an "umbrella" of liability protection over all your other commercial property and liability policies, effectively increasing the maximum payout in the event of a loss.

Other Commercial Insurance

There are numerous other commercial insurance products that are designed to protect specific business functions, industries and other risk factors.  Some of these special coverages are described under our Special Risk Programs pages. Your GoodWorks agent will be very pleased to help you navigate these sometimes confusing waters to find the perfect fit for your business profile.

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