BCA Insurance Group in Northfield, NJ is in the business of serving businesses. Commercial insurance sustains businesses and the livelihoods of its owners. The main types of commercial insurance are liability insurance, property insurance, and workers’ compensation insurance. Everything a business owner works for can be lost as a result of physical damage to business property, injury to an employer or a customer, destruction of business data stored in your computer, loss of your business and personal reputation, and costly lawsuits that the business did not prepare itself to face. Commercial disputes are not only time consuming but will alter your life if the outcome is not favorable. You must be prepared for any business crisis.
The commercial insurance instruments would include:
- Commercial General liability policy
- Business Owners Policy (BOP)
- Workers’ Compensation
- Professional Malpractice Insurance
- Directors and Officers Insurance
- Commercial Auto Insurance
- Cyber Insurance
General Liability Insurance
This should be your first concern when you open your business doors to the public, and this policy is your core insurance to keep your business protected from claims of bodily injury, property damage, medical costs, and data loss. If you own the building which houses the business or rent physical space and has business property such as tables, desks, or computers, considering a Business Owners Policy should be your first venture into commercial insurance.
Business Owners Policy (BOP)?
This policy combines General Liability and Business Property insurance within one policy. General Liability will protect your business from liability claims related to a client who injures him or herself on the property. The business owner is also protected from employee dishonesty which results in harm to a client and property damage as a result of damage from a fire or a flood.
Before you have a business crisis, contact BCA Insurance Group in Northfield, NJ. Please call for more information and a quote.