Get the right insurance coverage for your business and property.
From minimum coverage to specialized protection, our flexible options allow you to get customized business insurance that accurately matches each stage of your business’s development.
Basic business insurance
Accidents, illnesses, lawsuits… If you’re in business, you’re exposed. While the number of risks you’re exposed to is almost unlimited, you might only need a few basic coverages to start out, such as general liability insurance and commercial auto insurance.
General liability insurance
All small businesses, old and new, need general liability insurance. It’s basic liability protection that guards against things like accidents, injuries, property damage and lawsuits.
Commercial auto insurance
If you use vehicles for work, you’ll need commercial auto insurance to be fully covered. Personal policies don’t usually cover work related incidents.
As your business grows
Most businesses quickly realize their needs extend beyond basic liability and commercial auto insurance. Certain jobs require specific coverages, employees need protection, and a number of risks fall outside the protection of basic liability coverage.
When business insurance coverages are packaged together, it’s often referred to as a Business Owners Policy, or BOP. Additional coverages in a BOP might include:
Property
This can protect your commercial buildings and most of your personal property. Both of which are not covered by liability insurance. Liability normally covers other people’s assets, not yours.
Business income interruption
If your policy includes coverage for property, you also have protection in the event of business interruption. For example, if you have a property claim that prevents you from operating your business, business income interruption coverage could help pay you for your lost income, employee salaries and rent expenses
Professional liability
Do you give professional advice or provide a professional service? If so, you should probably carry professional liability insurance. This can be endorsed to your BOP.
While technically not part of a BOP, we also offer workers’ compensation insurance to help pay for things like medical costs and lost wages of employees who become ill or injured on the job.
Business insurance for contractors
We cater to the special needs of contractors by offering general liability as a stand-alone coverage for contractors who don’t need a full BOP.
You do you.
Let FairCharles handle the insurance.