Commercial insurance, also known as business insurance, protects businesses from financial losses stemming from unexpected events, such as lawsuits, property damage, accidents, or injuries to employees or customers. These commercial insurance coverages are a collection of insurance policies with the primary goal to safeguard a business against a wide range of potential risks and liabilities that could cause financial damage. These policies are meant for small to medium-sized businesses and our market access allows us to provide multiple options for your practice.

Our commercial insurance offerings

Business Office Package Policy: Bundles various insurance coverages into one policy, often including liability, property and business interruption insurance providing comprehensive protection for your business.

Workers Compensation: Protects medical and wage benefits to individuals who are injured or become ill at work. The coverage is mandated by each state and the wage and medical benefits vary by state. Workers’ compensation is purchased by businesses and is underwritten by insurance companies and in some states, underwritten by publicly supported state funds.

Umbrella: Provides businesses with additional liability protection, covering claim costs that exceed the limits of their underlying liability policies including general liability, auto liability, or employer’s liability.

Business Auto: Provides liability and physical damage protection for vehicles used by a business including any company-owned vehicles or employee-owned vehicles used for business purposes. 

Management Liability: Protects organizations and their leadership from lawsuits and financial risks arising from management decisions or actions including those related to employment practices, fiduciary responsibilities and Directors & Officers (D&O). 

How much is commercial insurance?

Premiums will change based on the level of insurance limits purchased and the coverage options selected. Other factors include but are not limited to the location of the business, ownership status of the building (leased or owned), clinical activities at each location, number of employees, annual payroll, value of funds held on a fiduciary basis, and your claims history.