Smart Business Owners Protect Their Investments
As a business owner, you already have enough on your mind without having to worry about your insurance needs. You want to have confidence that the business you’ve built is covered by a company that understands your business insurance needs.
Commercial business insurance or workermans comp insurance provide wide-ranging protection for businesses and their subsidiaries under a single policy. There are a number of commercial business insurance types that take care of property, liability and workers’ compensation, to name a few. Property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.
Commercial business or wormans comp insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that’s right for you.
We at Four Quarters Insurance offer free, comparative quotes on commercial insurance from multiple insurance carriers so you can get the best possible rate.
The right coverage for your investment
At Four Quarters Insurance Group, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.
We offer the following options for your business assets:
- Commercial property insurance
- Commercial general liability
- Business owners policy (BOP)
- Inland marine insurance
- Commercial auto insurance
- Commercial umbrella insurance
- Professional liability
- Workers compensation
- Crime insurance
- And much more
Commercial General Liability Coverage – The Commercial General Liability Policy provides the insurance protection needed to pay damages for bodily injury or property damages for which the insured is legally responsible. The policy provides coverage for liability arising from personal injury and advertising injury. Coverage for medical expense is also provided. The policy also covers accidents occurring on the premises or away from the premises. Coverage is provided for injury or damages arising out of goods or products made or sold by the named insured. The insured is the named insured and the employees of the named insured. However, several individuals and organizations, other than the named insured, may be covered, depending upon certain circumstances specified in the policy. In addition to the limits, the policy provides supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.
There are two commercial general liability coverage forms available, the occurrence form and the claims-made form. Both forms are somewhat identical in the coverage offered. The main difference is in the way claims are handled under the two forms. The occurrence form covers bodily injury or property damage claims that occur during the policy term, regardless of when the claim is reported. The claims-made policy form only covers claims made against the insured during the policy term. A claim made after the policy expires is not covered by a claims-made policy unless the claim is covered by an extended reporting period. The claims-made policy will only have the extended reporting period. The terms to the right reflect both forms.