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Commercial Lines

Property-casualty insurance can be broken down into two major categories: commercial and personal lines. Personal lines provides coverage for individuals, such as auto and homeowners insurance. Commercial lines include the many kinds of insurance products designed for businesses.

There are more than seven million small businesses in the U.S., ranging from construction firms to grocery stores to home-based businesses. All have one thing in common: Without the right insurance coverage, each could be wiped out by a disaster or a lawsuit. In addition, almost all businesses are accountable for the safety of their workers and are responsible for injuries suffered on the job.

The following articles lead you through the process of insuring and protecting your business from risk.

Business Insurance Basics
Large or small, a business needs insurance. This section offers basic information from insuring the company car to worker's compensation.

Workers' Compensation
Workers’ compensation insurance, often referred to as workers’ comp, is insurance coverage that provides employees injured on the job medical treatment and prescribed wage replacement. All employers are mandated to provide their employees with workers’ compensation coverage.

Preparing for Disasters
Large or small, all business should consider the impact a disaster could have from property damage to temporary closures.