Commercial Insurance Information

Business Owner's Policy (BOP) Insurance is designed for your small business!

A BOP bundles both property and liability coverage for your business into a single insurance policy.

Your business BOP includes commercial property coverage for buildings, business personal property, and business interruption, as well as liability coverage for bodily injury, personal and advertising injury, and medical expenses. Your BOP also provides legal defense fees and pays most court costs if your small business is sued as the result of a covered claim.

BOP insurance is essential for your business if you:
• Rent or own an office or any commercial space
• Have inventory or equipment that could get damaged or stolen
• Interact with clients, customers, or the public

You need Business Owner's Policy coverage to protect you and the assets of your business. If your small business leases or rents property or has a mortgage, then property or liability insurance is a contractual condition. We will provide the right coverage for you and your business.

Commercial General Liability (CGL) Protect your livelihood!

As a business owner, you need to ensure that your business is covered and protected. Commercial general liability covers losses caused by your business to a third party. Physical injury or property damage caused by your business, to a third party, can be costly. Moreover, physical injury or property damage can result in an expensive lawsuit that can affect not only your finances, but also your business reputation.

If you don’t have General Liability Insurance your business is exposed. General liability insurance provides protection to businesses from risks involving clients, business partners, and the public. It covers “third-party” injuries and damages as well as defense costs in the event of a covered lawsuit. It protects your business from known, unknown, common, and unexpected risks that your business may encounter.

Who needs commercial general liability?
• Sole proprietor
• Small business owner
• Large companies
• General contractor

Commercial Auto Insurance Commercial auto insurance helps cover the costs of an auto accident while you or an employee uses a company-owned car for business. This coverage can help pay for property damage and medical expenses – even in the event of a fatal accident.

Who needs commercial auto insurance?

Any business that:
• Owns, leases or rents vehicles, such as cars and trucks
• Has employees who drive their own vehicles for business
• Has employees who operate leased, rented or owned company vehicles

What does commercial auto insurance cover?

Commercial auto insurance typically provides coverage for: liability damages; collision or comprehensive physical damage loss to your business autos; medical expenses for injury to occupants of your business autos; and damages sustained by occupants of your business autos due to the negligence of an uninsured or underinsured motorist.

The commercial auto policy provides physical damage coverage for vehicles you own, lease, hire or use in your business and liability coverage for bodily injury and property damage caused to others by your use of the insured business vehicles.

Physical damage coverage for your insured vehicles:
• Collision loss: damage from auto accidents.
• Comprehensive loss: damage from weather, theft and vandalism

Liability coverage:
• Bodily injury coverage: for accident-related injuries to others when you're at fault.
• Property damage coverage: from accident-related damage to someone else's property, such as a car or house, when you're at fault.
• Uninsured/underinsured motorist insurance coverage:
• pays for injury damages to or property damage sustained to occupants of your insured business vehicle if the accident is caused by an uninsured/underinsured driver.
• Waives your collision deductible if an accident is caused by an uninsured driver

Medical payment coverage:
• pays medical expenses for an accident-related injury to the occupants of your insured business vehicles, regardless of fault.

Workers compensation insurance provides benefits to your employees if they get injured or become ill at work. Workers' compensation may also pay medical bills and benefits for temporary or permanent disabilities, supplemental job displacement benefits, and death benefits.

Who Needs Workers Compensation insurance?
• Employers need to purchase insurance that will cover their employees while they’re at work.

What does Workers Compensation cover?
• Covers medical or death benefits to injured employees
• Provides coverage to employer who is sued by an employee for a work-related injury or illness

Commercial property insurance helps protect your owned or rented building, plus the tools and equipment you use to operate your business. It covers many losses such as fire, theft, vandalism, malicious mischief, water, wind, and burglary. Protect your property and contents with the right insurance company. Our agents at All Access Insurance Services, LLC strive to provide the best coverage from top companies for your property so you can get back to work. Whether owner occupied or tenant occupied we can find the right coverage for your apartment, office building, warehouse, garage shop, or restaurant.

What does commercial property insurance cover?
• Building
• Tools
• Equipment
• Furniture
• Inventory
• Personal property
• Business interruption insurance

We Specialize In:

• Commercial Auto/Truck Insurance
Bodily Injury Liability
Property Damage Liability
Physical damage Coverage
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Non-Owned Auto Coverage
For-Hire Livery Coverage

• Commercial General Liability
Property Damage Liability
Bodily Injury Liability
Product Liability
Libel, Slander, and Copyright Coverage
Cyber Liability
Business Interruption Insurance
Umbrella Insurance

• Professional Liability also known as Errors and Omission
Damages and Judgement Settlements
Court Cost
Disciplinary Proceedings
Loss Of Earnings
Subpoena Assistance

• Business and Commercial Property Insurance
Liability Insurance
Fire Insurance
Burglary And Theft Insurance
Business Owners Insurance
Inland Marine Insurance

• Workers Compensation Insurance
Medical And Wage Benefits
Temporary Disability
Permanent Disability
Supplemental Job Displacement Benefits
Death Benefits

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