Home Our Company Products Claims Careers More Start a Quote Log In Commercial Insurance Choose the coverage that's right for you. Choose the small business policy that best protects your time, money and hard work from the unexpected. Need Commercial Insurance? Get your business quote What is Commercial Insurance? Commercial insurance is a special type of insurance that protects businesses from financial loss due to unforeseen circumstances. These can include theft, liability, property damage, business interruption, injured employees, and more. What Does Commercial Insurance Protect Against? A commercial business faces more risk than those associated with an individual or a family. Some of the common risks covered by commercial insurance include: Employees getting injured on the job Damage or injuries to customers or their property caused by your product Lawsuits for damages or medical costs Financial loss from damaged or stolen inventory Lawsuits for copyright infringement of patents or proprietary information Lost income and expenses due to business interruption What Are the Different Types of Commercial Insurance? We know your business is your passion and your source of income, and we don’t take that lightly. We offer comprehensive commercial insurance to make sure you have the coverage you need to keep your business moving forward. General Liability General Liability insurance protects you in case of an accident due to your business and could help cover legal fees if you're sued for property damage, bodily injury, or personal injury. General Liability is best for business owners who don’t need additional coverage for equipment or property that would be expensive to replace. Business Owner's Policy (BOP) A Business Owner’s Policy is a comprehensive insurance package that combines property coverage with general liability protection. A BOP policy is best for protecting small businesses such as restaurants, retail stores, and any business that needs additional coverage for a storefront or expensive equipment. Workers' Compensation Workers' Compensation provides wage replacement and medical benefits to employees injured in the course of employment. What Are the Benefits of Getting Commercial Insurance? Protecting your business from financial ruin is the primary benefit of commercial insurance. It can also play an important role in attracting customers, building your reputation as a responsible business enterprise, and acting as a key driver in the growth of your business. Commercial Insurance: Indicates you take your business obligations seriously. Before doing business with you, customers want to know that you take full responsibility for your products or services. Commercial liability insurance sends the message that you take your responsibilities to customers seriously and that you have their best interests at heart. Builds trust with your customers and the general public. Nobody wants to do business with a “fly by night” company. Protecting your company with a general liability insurance policy demonstrates that you’re building a business for the long term. Being perceived as a reputable, established company helps attract new customers and retain existing ones. Helps grow referrals and sales. When customers trust your business, they become more willing to recommend it to friends, coworkers, and business colleagues. Depending on your business, you may not be required to have commercial general liability insurance. Yet, many customers consider it an important prerequisite before they will patronize your business. Knowing you have commercial insurance builds a level of confidence in your business that can lead to more sales and new business opportunities. The Advantage of Getting Commercial insurance with Homesite Insurance You can trust Homesite for fast, friendly service and affordable commercial insurance products that provide the right coverage for your business. We make it simple to get an online quote. By offering many lines of coverage, we have the option to tailor our policies to your type of business and the risks you face. It takes passion, purpose and hard work to build a successful business. Protect your investment by getting a commercial insurance quote from Homesite today. Find us on: Legal Notices Terms & Conditions Privacy Policy Member Companies Customer Alerts Lender Sitemap ©2021 Homesite Group Incorporated. All Rights Reserved.