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Commercial Lines Explained


Commercial Lines 

Below you will find a detailed break down of the various types of commercial insurance we offer. 


General Liability

Group Health

Key Person Life

Workmen's Comp


A business owner’s policy is a special type of commercial insurance designed for small and medium-sized businesses. By bundling general liability insurance and property insurance into a single policy, BOPs typically offer a reduced premium, often making them a more cost-effective option than separately purchased policies.

Commercial general liability insurance

General liability is a broad type of insurance policy that provides liability insurance for general business risks.  It is the "first line" of coverage that a business typically purchases and covers many of the common risks that can happen to any type of business, such as bodily injury or property damage on the business premises or due to the business operations, personal and advertising injury and medical payments.

Group health insurance

Group health is an insurance that covers a defined group of people, for example, the members of a society or professional association, or the employees of a particular employer. Group coverage can help reduce the problem of adverse selection by creating a pool of people eligible to purchase insurance who belong to the group for reasons other than the wish to buy insurance, which might be because they are a worse than average risk. Grouping individuals together allows insurance companies to give lower rates to companies, "Providing a large volume of business to insurance companies gives us greater bargaining power for clients, resulting in cheaper group rates.

Key person insurance

Commonly called keyman insurance and key man insurance or 'key employee insurance', is an important form of business insurance. There is no legal definition of "key person insurance". In general, it can be described as an insurance policy taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of an important member of the business.

Property insurance

Property insurance provides protection against most risks to property, such as fire, theft, and some weather damage.

Workers' compensation

A form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence.

Group Health
Key Person
Property Insurance
Workers Comp
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