Do You Need Business Insurance?

You will need business insurance if you own or run a business. From a sole proprietor to a Fortune 500 company, insurance is purchased to transfer risk and minimize potential financial loss due to unforeseen circumstances.

A few examples of business insurance are general liability, property, workers compensation, commercial auto, professional and internet liability, directors and officers liability. We represent numerous carriers which allows us to be competitive.

Please call 781.237.1515 with any business insurance questions or for a review of your Commercial Insurance program. Our staff is available to assist you.

Drive Other Car Coverage:

Does your business have vehicles registered under the company name that employees operate on non-company business?

Do your employees, who are furnished company vehicles and do not have a personal auto policy, also occasionally operate vehicles that are owned by someone else or rent cars under their personal name?

If yes to either of these questions, Drive Other Car coverage is recommended.  It covers employees or executives who are supplied a company vehicle, but do not have a personal vehicle or are not listed as a driver on any personal auto policy.  This would also cover the driver when operating vehicles owned by friends or a third party.

Non-Ownership Liability:

Do you or any of your employees use their own vehicles on company business?

Do any of your employees use their personal car on a business errand such as going to the bank or to the Post Office for you?

If yes, we recommend that you purchase Non-Owned Liability insurance.  This would provide coverage for your business in the event your employee is involved in an accident using their personal vehicle while on company business and your company is sued.  Non-ownership Liability offers coverage for your business and is excess of the limits provided by the personal policy of your employee.

What Every Company Should Know about Employment Practices Liability.