Business Insurance

Business Casualty Insurance

Some insurers will lump property and casualty insurance together and refer to the coverage as property and casualty insurance. In fact, packaged policies of property and casualty are often the best purchase a business owner can make. Casualty insurance insures against loss or damage to the business.

Liability Insurance

Liability insurance insures against liability legally imposed upon your business because of the negligence of the business or its employees. Basicaly, it protects your business when the business is sued for negligence.

Commercial Auto

Your personal automobile policy does NOT cover vehicles used by your business. If your business uses vehicles or anything that is required to be titled by your state, then you need a commercial auto policy. Commercial auto coverage insures against property damage to vehicles and damage caused to others by those vehicles.

Workers Compensation

You will need to insure your employees against on-the-job injuries. Every state is different. But, most states have put into place some form of workers' compensation system. Workers' compensation is a system where the employee is not allowed, by statute, to sue their employer for on-the-job injuries; but, in return, the employer must participate in a system that provides nearly automatic payment to the employee in case of injury for medical bills and damages. There are many options for workers' compensation coverage.

Business Interruption

Business interruption insurance insures against loss or damage to the cash flow and profit of a business caused by the business being unable to operate because of interruption. The easiest example is to think about a critical piece of machinery being struck by lightning. The repairs to the machine may be covered by other coverage such as property or casualty insurance. But, if you can not make products for three months, than there is no replacement of that income without this coverage.

Complete Protection

The simple manuscript format includes common extensions of coverage (previously added through standard endorsements) and is designed for flexibility so a single policy provides all the coverage your business requires.

Built-in features, such as alternatives to scheduling of locations, standard replacement valuations, and a streamlined process to broaden coverage limits, help reduce the number of changes required during the policy term. Expanded capacity in the form of higher limits, fewer sub-limits and less exclusions make UNITED INSURE BUSINESS more responsive to your needs.

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