• Bodily injury and property damage
• Personal and advertising injury liability
• Medical payments

General liability insurance cover your legal expenses from claims arising from third-party claims, paying for:

• Lawyer fees
• The client’s medical bills, repairs for property damage
• Other legal costs

If you are a business owner, you need general liability insurance.  Here are some reasons you might need coverage:

• If you are responsible for property damage or bodily injury.
• Your customer might require you to have it.
• You use third-party locations for business-related activities
• You rent or use a client’s equipment
• …and more!

If you have employees, it’s your job to keep them safe at work.  If they drive for your company, or work in a location other than your primary place of business, the insurance will follow them provided you disclose this information.

Workers compensation is required by law, even if you have only one employee.  As the business owner, you can choose to exclude yourself from coverage if you wish.  You must have a Federal Tax ID number (FEIN) to obtain this coverage.

Workers Compensation insurance will reimburse your employee for lost wages and medical expenses associated with their injury.

As a business owner, having a business auto policy is necessary whether you have a fleet of trucks, a delivery van, or even a private passenger vehicle used by a salesperson. Often personal auto policies exclude coverage when the vehicle was being used for business purposes at the time of the accident.