DIANE R. ADAMS
INSURANCE AGENCY

​General Liability

General Liability covers contractual, personal and advertising injury, as well as liability protection.

 

Property

Business personal property (BPP), or business contents, refers to moveable items owned by your business. It includes office supplies, furniture, computers, machinery – basically everything except for the building itself. 

 

When certain events happen, Commercial Property Insurance can pay for business property that is stolen, damaged, or destroyed. That property typically includes…When certain events happen, Commercial Property Insurance can pay for business property that is stolen, damaged, or destroyed. 

That property typically includes…

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1. Your building. This usually means the structure, but it can include permanently installed fixtures, machinery, and equipment.

2. Contents of your building. This includes items that can be easily taken out, like inventory, office equipment, and other supplies.

3. Other people's property. This category includes items that are left in your care, custody, or control. For example, a customer might use an outlet on your premises to charge her laptop. Once it's in your care, you could be responsible if it's damaged.

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A Business Owner's Policy (BOP) combines business property and business liability insurance into one business insurance policy. ... These include claims of bodily injury or property damage. They also include claims related to personal and advertising injury.

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Commercial Auto

Commercial Auto Insurance can help pay to repair physical damage to the vehicle you drive for business if it's damaged by theft, weather events, or collisions. It can also pay for lawsuit costs associated with accidents, such as medical expenses and legal fees.

Commercial auto insurance is a vehicle insurance policy that provides financial protection for a business' vehicles and its drivers. Employees involved in on-the-job collisions will receive coverage for medical injuries as well, regardless of fault.