Commercial Policy Descriptions
General liability
General liability insurance helps cover costly claims that can come up during normal business operations. Third-party bodily injury: If a customer gets hurt after slipping and falling in your store, they can sue your business. Your insurance policy includes bodily injury liability coverage, so it can help pay for their medical bills. Third-party property damage: If you or your employees work at a client’s house, your business faces a risk of causing property damage.
Commercial Auto Liability
Commercial vehicle insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto insurance policy. This type of business insurance covers many types of commercial vehicles—from automobiles used for business purposes, including company cars, to a wide variety of commercial trucks and vehicles. NOTE: IN TRUCKING THIS IS THE POLICY THAT IS REPORTED TO FMCSA
Cargo
Cargo faces a number of exposures that can result in damage while in a warehouse or in transit. Motor truck cargo insurance provides coverage for financial losses resulting from damaged, lost, or stolen freight. IT IS IMPORTANT TO CHECK THE POLICY FOR EXCLUSIONS. POLICES VARY GREATLY.
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Surety Bond
Commercial surety bonds can generally be divided into five types of bonds: License and Permit Bonds, Judicial Bonds, Probate Bonds, Public Official Bonds, and Miscellaneous.
License and Permit Bonds
Required by federal, state, or local governments as a condition for obtaining a license or permit for various occupations and professions. License and permit bonds include auto dealer bonds, mortgage broker bonds, contractor license bonds, and surplus lines broker bonds. This is where freight brokers fall.
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