Other Coverages
WorkersComp4SmallBusiness is pleased to offer other coverages in Commercial Insurance to protect your small business from various risks.
Employment Practices Liability Insurance (EPLI)
Business Income Insurance
Business Interruption Insurance
Commercial Auto Insurance
Business Owners' Package Policy (BOP)
Package insurance policies are invaluable for small and medium sized businesses. There are basically two types of commercial package policies – the Business Owner’s Package Policy and the Commercial Package Policy (CPP). Therefore, the BOP is preferable to a great many small and medium sized businesses. This includes retail establishments and others.
The BOP package takes a “homeowners” approach to insuring your small or medium sized business. As a result, once you and your broker select an appropriate insurance amount for your building and/or contents, the BOP automatically includes a menu of other valuable insurance coverages that are included with the package. The BOP is specifically designed for small to medium sized businesses.
Commercial Package Policy
A Commercial Package Policy (CPP) is an insurance policy that combines coverage for multiple perils, such as liability and property risk. A Commercial Package Policy, or C.P.P., enables a business to take a flexible approach to obtaining insurance coverage. It also may even allow the business to pay a lower premium than it would if it had purchased a separate policy for each risk. Insurance companies typically write Commercial Package Policies for small or mid-sized businesses.
Commercial Property Insurance
Commercial Property Insurance
Commercial General Liability Insurance
Commercial General Liability Insurance policy is extraordinarily broad. For a variety of small and medium sized businesses and ventures, it insures against liability for bodily injury, property damage as well as personal and advertising injury liability. The broad nature of the Commercial General Liability (CGL) policy eliminates the need to select and group particular hazards, and the inevitable coverage gaps that might occur.
Commercial General Liability (CGL) policies is offered either under a occurrence basis or under a claims-made basis. It is also offered as a monoline – single – policy, or it can be combined with other insurance coverages in a Commercial Package Policy (CPP).
Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance (EPLI) covers businesses against claims by workers that their legal rights as employees of the company have been violated. It is a type of liability insurance covering wrongful acts arising from the employment process. As a result, the typical type of claims covered under this policy include wrongful termination, discrimination, sexual harassment, and retaliation. Above all, the most prevalent type of claim currently are those for retaliation.
Additionally, EPLI policies cover claims from various other types of inappropriate conduct in the workplace, including, but not limited to, employment related defamation, invasion of privacy, failure to promote, deprivation of a career opportunities, and negligent evaluation. These policies also cover directors and officers, management personnel, and employees as insureds.
Business Income Insurance
Business Income Insurance
Business Interruption Insurance
Business Interruption Insurance
Commercial Auto Insurance
Commercial Auto Insurance
