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What Are My Business Insurance Coverage Options?
Understanding Business Insurance?
Insurance is the contractual transfer of the financial consequences of loss to another party. When you buy Business Insurance, an insurance company promises its duties, exclusions, and conditions under which they will cover you in the event of a loss.
There are various types of Business Insurance. All serve a special purpose, and your business may not require most of them. Understanding your exposure to risk will help you know which policies your business will benefit from.
Here are the types of Business Insurance coverages you can buy:
Why Amadeus Insurance?
Our Business Specialists help find coverage that protects your assets at a price that works for your business. Our agents are trained and ready to help assess your needs so you can select the most appropriate coverage for your unique business. We work with the top Business Insurance carriers in the country so you can be sure that any carrier you choose with us will be a reliable one.
Protects the business from loss due to bodily injury or property damage caused by its activities or products.
Business Owners Policy (BOP)
A type of policy contains coverage for various types of insurance all in one convenient package. It protects businesses from major property and liability risks.
Covers the business from loss to one of its vehicles and from a liability loss in the event of an accident involving such vehicles.
An Excess Liability policy that provides additional coverage over the General Liability, Auto Liability and Employers Liability policies and may provide coverage over the limits set by the underlying policy and for other exposures.
Directors & Officers
This coverage protects the board of directors and other key officers of the company from loss caused by lawsuits.
EPL Insurance (Employment Practices Liability) Provides coverage to employers against claims made by employees alleging discrimination (examples: based on sex, race, age, or disability), wrongful termination, harassment, and other employment-related issues, such as failure to promote.
Required coverage covers the Workers Compensation requirements provided by state law and provides for payment of employee injuries.
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