BUSINESS PROTECTION

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Workers Compensation Insurance

Workers' compensation or workers' comp is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

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Liability Insurance

Liability insurance is a part of the general insurance system of risk financing to protect the purchaser from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.

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Business Auto Insurance

Business auto insurance is a business insurance policy that applies to autos owned by or used in your business that protects your business against liability for damages caused by accidents involving your business autos and provides certain compensation to occupants of your business autos injured in accidents.

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Workers Compensation Insurance

In all states but Texas an employer must have workers compensation insurance when there are more than a certain number of employees, varying from three to five, depending on the state. Workers comp insurance, as this coverage is generally called, pays for medical care and replaces a portion of lost wages for an employee who is injured in the course of employment, regardless of who was at fault for the injury. When a worker dies as a result of injuries sustained while working, the insurance provides compensation to the employee’s family. An extremely small business, such as one operated by one or two people out of a home, may not need workers compensation insurance. But it often needs more property and liability insurance than is provided in a typical homeowners policy. Aliquam ut porttitor leo a diam sollicitudin. Enim tortor at auctor urna nunc id cursus. Ultrices sagittis orci a scelerisque purus semper eget duis. Quisque sagittis purus sit amet volutpat. Neque aliquam vestibulum morbi blandit. Id aliquet risus feugiat in. Integer eget aliquet nibh praesent tristique magna sit amet. Gravida rutrum quisque non tellus orci ac auctor augue mauris. Fusce id velit ut tortor pretium viverra suspendisse potenti nullam. Justo laoreet sit amet cursus sit amet. Eu mi bibendum neque egestas congue. Semper quis lectus nulla at volutpat diam ut venenatis tellus. Volutpat sed cras ornare arcu dui vivamus arcu felis. Augue eget arcu dictum varius duis. Fermentum iaculis eu non diam phasellus vestibulum lorem. Id neque aliquam vestibulum morbi blandit cursus risus. Porta lorem mollis aliquam ut porttitor. Tempor orci eu lobortis elementum nibh tellus molestie.

Liability Insurance

Any enterprise can be sued. Customers may claim that the business caused them harm as the result of, for example, a defective product, an error in a service or disregard for another person’s property. Or a claimant may allege that the business created a hazardous environment. Liability insurance pays damages for which the business is found liable, up to the policy limits, as well as attorneys’ fees and other legal defense expenses. It also pays the medical bills of any people injured by, or on the premises of, the business. Aliquam ut porttitor leo a diam sollicitudin. Enim tortor at auctor urna nunc id cursus. Ultrices sagittis orci a scelerisque purus semper eget duis. Quisque sagittis purus sit amet volutpat. Neque aliquam vestibulum morbi blandit. Id aliquet risus feugiat in. Integer eget aliquet nibh praesent tristique magna sit amet. Gravida rutrum quisque non tellus orci ac auctor augue mauris. Fusce id velit ut tortor pretium viverra suspendisse potenti nullam. Justo laoreet sit amet cursus sit amet. Eu mi bibendum neque egestas congue. Semper quis lectus nulla at volutpat diam ut venenatis tellus. Volutpat sed cras ornare arcu dui vivamus arcu felis. Augue eget arcu dictum varius duis. Fermentum iaculis eu non diam phasellus vestibulum lorem. Id neque aliquam vestibulum morbi blandit cursus risus. Porta lorem mollis aliquam ut porttitor. Tempor orci eu lobortis elementum nibh tellus molestie.

Business Auto Insurance

A business auto policy provides coverage for autos owned by a business. The insurance pays any costs to third parties resulting from bodily injury or property damage for which the business is legally liable, up to the policy limits. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Aliquam ut porttitor leo a diam sollicitudin. Enim tortor at auctor urna nunc id cursus. Ultrices sagittis orci a scelerisque purus semper eget duis. Quisque sagittis purus sit amet volutpat. Neque aliquam vestibulum morbi blandit. Id aliquet risus feugiat in. Integer eget aliquet nibh praesent tristique magna sit amet. Gravida rutrum quisque non tellus orci ac auctor augue mauris. Fusce id velit ut tortor pretium viverra suspendisse potenti nullam. Justo laoreet sit amet cursus sit amet. Eu mi bibendum neque egestas congue. Semper quis lectus nulla at volutpat diam ut venenatis tellus. Volutpat sed cras ornare arcu dui vivamus arcu felis. Augue eget arcu dictum varius duis. Fermentum iaculis eu non diam phasellus vestibulum lorem. Id neque aliquam vestibulum morbi blandit cursus risus. Porta lorem mollis aliquam ut porttitor. Tempor orci eu lobortis elementum nibh tellus molestie.

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