Business Insurance Services

Commercial Auto Insurance

Just as you require insurance coverage for the car that you use for personal travel, you also need the same kind of coverage for the car that you use in your business.

If you prefer using the same vehicle for both business and pleasure, make sure that the name of your business appears on the policy as the “principal insured” instead of your name.

When you have the name of your business on your policy, you can avoid possible confusion if you need to file an insurance claim or when a claim is filed against you by another vehicle owner. 

Choosing the right commercial auto insurance policy will depend on the way you drive your vehicle. An experienced auto insurance agent will ask various questions such as how you use vehicles in your business, who will be driving them, and whether your employees will be driving their own cars for your business. 

Although personal auto insurance coverage and commercial auto insurance coverage are similar, they differ in many technical aspects. Get in touch with Noble Insurance Service to learn more. We have over 36 years of experience in the industry. Same-day appointments and various payment options available.

General Liability

A personal umbrella liability policy generally excludes business-related liability. Hence, you need to make sure that you have sufficient auto liability coverage. 

As a business owner, the chances of you getting sued have increased in the last decade. To prevent a legal suit from turning into a financial disaster for your business, you need a general liability insurance policy. 

A general liability insurance policy can cover losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arise from your operations.

Broad Range of General Liability Protection

• Bodily injury, including the cost of care, the loss of services, and the compensation for death that results from an injury
• Property damage to cover physical property damage of others or the loss of use of that property
• Products liability to cover any injury resulted from a product or service your company provides
• Contractual liability coverage extends to any liability you may assume by entering into a variety of different types of contracts
• Other coverage
• Reasonable use of force
• Borrowed equipment
• Liquor liability
• Non-owned vehicles such as aircraft and watercraft
• Fire
• Lightning or explosion damage
• Water damage liability protection
• Legal defense costs
• Medical payments
• Personal injury
• Advertising injury
• Specialized liability protection for specific business types
  

Workers Compensation

Workers compensation laws ensure that your employees are properly compensated for any injuries caused while they’re on the job. It eliminates the need for litigation and makes the compensation process easier.

Since many states limit the amount an employee can recover from their employer, workers compensation insurance helps control the financial risks for employers. 

This type of insurance helps companies pay these benefits. Most of the states require that employers carry some form of workers compensation insurance as protection for their employees. Workers compensation insurance is different from a health insurance policy. It is specifically designed to cover injuries sustained on the job.

Most states require that you carry workers compensation coverage if you have employees or if they are engaged in hazardous activities. It is a good idea for companies located in non-mandatory states to carry workers compensation coverage. 

Do I Need Workers Compensation Insurance?