Business Insurance
Business insurance — also called commercial insurance — helps protect business owners from unexpected losses.
With the right coverage, you can avoid paying out-of-pocket for costly damages or legal claims against your company. In some states, certain types of business insurance are required by law to operate..
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1
Business Owner’s Policy or (BOP)
Many business owners choose a Business Owner’s Policy (BOP) because it combines three essential coverages to protect against common risks: general liability insurance, commercial property insurance, and business income insurance.
At Imperial, we tailor BOP coverage to fit your company’s unique needs. You can bundle your BOP with additional coverages to help save money — and in some cases, you may qualify for up to a 10% discount when combined with workers’ compensation insurance
2
Commercial Auto
Commercial auto insurance protects you and your employees while driving company-owned vehicles for business purposes. This essential coverage can help cover property damage and medical expenses — whether it’s a minor fender bender or a serious accident.
3
Workers’ Compensation Insurance
Workers’ compensation insurance — often called “workers’ comp” or “workman’s comp” — provides employees with medical care, wage replacement, and other benefits if they experience a work-related injury or illness.
In most states, this coverage is required by law for businesses with employees, helping protect both your team and your company.
4
General Liability
General liability insurance helps protect your small business from third-party claims that it caused bodily injuries or property damage to others. Without general liability coverage, you’d have to pay for these claims out of pocket. GLI is also known as (CGL)
5
Professional Liability Insurance
Mistakes happen — but even the perception of a mistake can lead to a costly lawsuit. Professional liability insurance protects your business from claims of errors, omissions, or negligence, giving you peace of mind so you can focus on what you do best.
At Imperial, we’ll help you find the right policy so you’re protected when it matters most. Don’t leave your business exposed — safeguard your reputation and your livelihood today.
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