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Business Insurance USA is a premier source for all your commercial business insurance needs.
We offer the full spectrum of business insurance products and services that help meet your budget from the startup phase through expansion and growth.

As a professional business owner, your clients, employees and business operations are an important part of your day-to-day operations, and we're here to help protect all of your investments and assets economically and effectively.
There are a wide variety of business insurance options that can be customized to fit your specific business environment. Some of the most common and most important insurance options for businesses are summarized below.

general liability Insurance

General liability insurance is the primary portion of your commercial insurance that is versatile and often required before you rent an office or building. It protects you and your business assets in a variety of situations including damage to your business space, product liability issues, and accidents. Having general liability insurance is not only commonly required, it is extremely important to the success of your business.

business owners Policy (BOP)

Another type of insurance that you should consider holding is a business owners insurance policy. This aspect of your small business insurance protects you from disastrous and unexpected events that cause you to halt work and lose income. A business owners policy is also very customizable. You have the opportunity to tailor the policy to the specific needs of your business. The coverage you need depends upon your facilities, number of employees, type of equipment used, your location, and whether you sell products or services.

workers comp Insurance

If you hire any number of employees, even just one, it is a legal requirement to have workers compensation as part of your business insurance. This coverage protects you in the event that a worker is injured, becomes ill, or is even killed on the job. If an employee becomes sick from working for you or is hurt, you are liable for their medical expenses. Having workers compensation insurance means you can cover those costs without losing your business assets. It can also protect you in the event of a lawsuit over the incident.

professional liability Insurance (E&O)

With professional liability coverage, you are protected in the event that a mistake made by you or an employee causes a customer to lose money. This is an important part of your small business insurance because making mistakes is inevitable. The more employees you have handling customer affairs, the more valuable this coverage becomes.

Even mistakes that seem minor can end up costing you and your business significant amounts of money if you are not properly insured. For instance, in a doctor's office a patient's chart may be read incorrectly. This could lead to the patient getting medication that causes an allergic reaction. Depending on the severity of the reaction, the patient could be facing steep medical bills to recover from the attack. With professional liability insurance, you would be covered in this type of instance.

business auto Insurance

If you use any kind of vehicle in your company, business auto insurance coverage is necessary to have. When you send employees out in either company cars or their own cars to do business, any number of accidents can arise. They may cause an accident, be the victim of a collision, damage property, or cause harm to a bystander. A split second mistake while driving can cause thousands of dollars in damage, for which you, as the business owner, are liable. Regardless of how often you use vehicles in the course of business, if you use them at all, this type of coverage in your business insurance is crucial.

Getting Quotes

If you're looking for affordable commercial insurance quotes in: Arizona, California, Washington, Oregon, Virginia, North Carolina, South Carolina, Missouri, Michigan, Ohio, New Jersey, New York, Texas, Florida, Pennsylvania, Maryland, Illinois or any other state, please feel free to contact us.

Our highly trained professionals are ready to assist you in getting the best business insurance coverages for your money.

Insurance Lines

general liability workers comp professional liability business owners commercial auto Employment Practices Liability Directors & Officers (D&O) group health surety bonds

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