The amount and type of coverages needed to properly insure a business can be overwhelming and confusing.
Commercial liability insurance pays for part or all of the damages for liability imposed on a business. It also provides benefits for the cost of defending the owner if a claim is made against a policy. Every business has different coverage needs. Sometimes, owners can purchase a package policy that will provide coverage for a variety of those needs, and sometimes an owner may have to buy coverage individually. Each carrier can provide vastly different coverage for the same operation.
When shopping for commercial lines coverage, be sure to carefully understand the coverages being offered, and review the endorsements and exclusions carefully.