Every business has it’s own unique operations and related risks. If there is a liability risk use-case then there is almost always a coverage enhancement to mitigate it. We can help investigate the options available for your commercial insurance risk profile. Grossnickle Insurance offers many more business insurance products and surety/fidelity protections. The most common products include:

• General Liability – All businesses should have a Liability Insurance policy to protect from them liability and losses resulting from bodily injury, property damage, or personal injury that may occur as part of business operations. There are many options and enhancements to liability coverage ranging from losses that result from temporary business closure to losses resulting from a data breach.
• Commercial Umbrella Liability – Especially useful for operations with projects/situations that can have significant downside exposure. Coverage for liability and losses not covered by General Liability (or losses/liability remaining after general liability coverage limits are exhausted).
• Workers Compensation – Legally mandated coverage requirement for most businesses. Work comp policies provide the legally defined coverages to employees and/or eligible dependents for wages and medical care in the event of work related injury or illness.
• Business Owner Policy (BOP) – BOP policies combine different coverages such as business liability, commercial property, business income, and equipment breakdown in a cost-effective package. BOPs can either be general or customized to meet the specific needs of your business’s industry.
• Surety Bonds – Offer bonding coverage that something will be performed or done according to licensing laws and regulations. These bonds are usually required by cities or municipalities to perform any work or to hold certain public positions. Some individuals may prefer bonded providers to perform contract work.
• Commercial Property Insurance – Coverage for commercial real estate and business personal property.