We believe that businesses ought to be able to focus on what they do best. We believe trusted relationships build success. 

As a business owner, you work hard to create profitable companies for yourself and your employees. Commercial insurance, often known as business insurance, can offer a range of vital protection. From vehicles to property and the employees within the business, owners can safeguard their investment and lessen the risk of a scenario affecting its growth and longevity. 

All businesses, including home-based, benefit by having general liability insurance. Many businesses can use it as a starting point for their risk mitigation needs. Bodily injury, property damage, personal injury and advertising injury can all be covered. General liability insurance provides defense and damages if you, your employee or your product/service cause bodily injury or property damage to a third party.

A commercial property insurance policy can be considered a commercial version of a homeowner's policy. You will find similar covered perils, such as fire and theft that pertain to a business property. If your business has a physical location, it will require a property insurance policy to protect the building and business personal property from fire, vandalism, theft and smoke damage. At times, the greatest loss is business interruption/loss of earnings, so you may wish to consider this coverage, as well.

Small business owners can take care of many needs in a BOP, which is a bundle that often includes general liability and property insurance mentioned above, as well as business interruption, and crime insurance. This is a cost-effective approach to your business' risk mitigation plan.

A personal car insurance policy is not enough, as it will not cover items that relate to your business. A vehicle that is owned by the business must have its own policy. A commercial auto insurance policy protects company vehicles from damage and collisions. If your business uses employees' personal vehicles to perform routine or even occasional operations, non-owned auto liability coverage will help protect your company from an employee that is uninsured or underinsured.

Data breach insurance is increasingly relevant. It protects against loss for all sensitive or non-public information about employees or clients on computers, servers or in paper files.

Errors and omissions insurance is professional liability insurance. This coverage provides defense and damages for failure in or the improper rendering of professional services. This is often a requirement for professionals serving the public - lawyers, accountants, consultants, notaries, real estate agents, insurance agents, hair salons, technology providers...

Workers that are hurt on the job can rely on worker's compensation for lost income and medical expenses. This coverage is commonly required by employers for all W2 employees and removes an employee's right to sue. Worker's compensation coverage often extends to temporary or 1099 employees as well.

This insurance protects company directors and officers against their actions affecting profitability or company operations and covers costs or damages as a result of lawsuit. Organizations run by volunteers use D&O to personally protect the actions of the volunteers or officers of a non-profit.

For contractors, a surety bond is not insurance for your business but is protection for your customers. When your projects require bonds, the cost is passed through to your customer in most cases.

Beacon Insurance can work with you to create a right-sized risk mitigation program giving you greater peace of mind.