Commercial Coverage
At Bradford Watson we work with you to offer the best options for protection that is customized to fit your personal and business needs from some of the top insurance carriers.
Commercial Auto
Includes all the coverages of a personal auto in addition to the available coverages found only on a commercial auto policy.
Consider commercial auto insurance if your business:
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
Commercial Insurance
Commercial property insurance helps protect your owned or rented building, plus the tools and equipment you use to operate your business. It covers losses from many sources, such as: fire, burglary, theft, wind and lightning. It can also include business interruption insurance. So, if you can’t operate your business because of covered property damage, your policy can help replace your lost income.
Commercial general liability insurance:
Bodily Injury
If a customer injures themselves in your place of business, this policy can help cover their medical bills.
Property Damage
Employees sometimes damage customers' property while delivering products or services. Your GL policy can help pay for the damages.
Reputational Harm
General liability insurance policies can help cover malicious prosecution, slander, libel, wrongful eviction and violating a person's privacy.
Advertising Injuries
Claims of copyright infringement are covered with a general liability policy.
Damage to premises rented to you:
If your rented property is damaged by fire, lightning or an explosion, your general liability policy can help pay for repairs.
Builders Risk
Building your dream home?
Builders Risk is a specialized type of property insurance that helps protect buildings under construction. It covers things like materials, supplies, equipment on site, in transit or at other locations. It can also help cover additional soft costs, or expenses not directly related to construction, if property damage causes a delay.
This can include: lost sales, rental income, additional interest on loans, real estate taxes
Workers Comp
Very simply, workers comp protects your employees in the event they are injured during the course of their employment with your company.
Cover their medical care and medical treatment
Replace most of their lost wages if they take time off from work to recover
Provide disability benefits
Give death benefits, like helping pay for a funeral if they lose their life in a work accident or from a job-related illness
Workers’ comp also has benefits for you, the small business owner. It includes liability insurance coverage. So, if your business faces lawsuits from injured workers or their families, workers’ comp can help pay for your legal costs.