Paramount Theater neon sign at night, Bristol, Tennessee

COMMERCIAL INSURANCE

Recommended Coverages

Protect your business

General Liability

Protects your business from claims of bodily injury, property damage, and
personal injury resulting from your business operations.

Professional Liability or E&O Insurance

Safeguards your business against claims of negligence, errors, or omissions in the professional services you provide.

Commercial Auto

Covers vehicles used for business purposes, protecting against liabilities from accidents, theft, or damage to the vehicles.

Umbrella

Provides additional liability coverage beyond the limits of your existing policies,
offering extra protection for significant claims or lawsuits.

Workers' Compensation

Covers medical expenses and lost wages for employees who are
injured or become ill due to their job.

Commercial Property

Protects your business property, including buildings, equipment, and
inventory, from damage or loss due to fire, theft, or other covered events.

Business Interruption

Provides compensation for lost income and operating expenses if your business is temporarily unable to operate due to a covered event.

Inland Marine

Protects your business property in transit, covering goods, tools, and equipment that are moved over land, and against damage or loss during transportation.

Crime Insurance

Protects businesses and individuals from financial losses due to criminal
activities such as theft, fraud, and employee dishonesty.

Employment Practices Liability

Helps protect your business from employment-related claims, like wrongful termination, discrimination, and harassment.

Directors and Officers (D&O)

Shields your company’s directors and officers from personal losses due to legal actions taken against them for alleged wrongful acts in their capacity as company leaders.

Cyber Liability

Covers your business against data breaches, cyberattacks, and other cyber-related incidents, including legal fees and notification costs.

Product Liability

Protects your business from claims related to injuries or damage caused by products you manufacture, distribute, or sell.

Surety Bond

A three-party agreement that guarantees the fulfillment of a contractual obligation. It involves a principal who must perform, an obligee who benefits from the bond, and a surety that provides compensation if the principal fails to meet their obligations.

Cyber Liability

Covers your business against data breaches, cyberattacks, and other cyber-related incidents, including legal fees and notification costs.

Pollution Liability Insurance

Protects businesses from financial losses and legal claims related to pollution incidents. It covers costs for cleanup, property damage, and bodily injury caused by pollutants released during operations.

Group Health, Dental and Vision

Provides medical, dental and vision coverage for employees.

Group Life

Provides life insurance coverage for employees, offering financial support to their beneficiaries in the event of the employee’s death.