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Coverage from Homesite Insurance
General Liability Insurance covers claims of injury, bodily or physical, and property damage. This insurance is meant to protect your business against.
An insurance plan good for small to medium-sized businesses, BOP packages together elements of General Liability and Commercial Property.
This type of insurance protects your business’s physical assets, such as workspace and computers.
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
Umbrella Liability can be a great solution for a business that needs more liability coverage than what is offered in their General Liability, Employer’s Liability or Auto Liability Plan. Umbrella coverage can be purchased as a standalone policy or can be bundled with a General Liability policy.
This insurance provides a business with protection should a mistake have been made while delivering professional services. Your General Liability policy will not provide you with this level of protection, so if your company gives advice or provides contracting services you may need this insurance.
Is Homesite right for my business?
Homesite offers solutions to businesses in many industries, including restaurants, small retailers, financial services providers and professionals such as lawyers, photographers and health specialists. If your business operates from a premises accessed by any non-employees (customers, contractors, etc.), then you can benefit from its Business Owner's Policy. If you're self-employed in a professional trade (e.g. beautician, veterinarian), then its Professional Liability cover could be for you. If you're in a niche industry, Homesite has certain bespoke options for customers such as lawn care services and hearing aid services. Its range of solutions covers many small business requirements.
What if I need property and general liability coverage?
That's a Business Owner's Policy
A BOP combines General Liability Insurance with Property Insurance to give you an affordable, convenient coverage solution that will protect you against property damage (e.g. fire damage to buildings, equipment getting damaged or vandalised) as well as against third-party claims (e.g. bodily injury, property damage, personal injury). It can also cover you against loss of income if your business has to temporarily stop operating due to an event, such as a natural disaster.
It is recommended for new businesses starting up. Small businesses such as restaurants and retail stores can benefit from a BOP as it insures them against certain unexpected losses outside of those only covered under General Liability Insurance.
A BOP can cost $500 - $3000 approximately, depending on the size and nature of the business. Generally, costs will vary depending on your specific business, with the amount and value of your commercial property in particular impacting the premium.
Check out other carriers
Depending on your industry and size of business, you’ll need different insurance coverages and will be evaluated differently by carriers. Check out the insurers below to learn about their offerings and how they may be applicable to your business:
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