Commercial or business insurance is coverage for businesses, corporations, sole proprietors and independent contractors that provides protection if someone is hurt, property is damaged, or your business is deemed negligent in the course of you performing your services. As there are various types of businesses, there are numerous types of business insurance coverages addressing different needs and situations. These policies are tailored and customized to the size, services, and uniqueness of each business.
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Personal lines insurance is designed to protect individuals and families against losses that result from death, injury, loss of income, loss of property and personal lawsuits. Like all insurance, these policy may not cover every situation that occurs, however they can dramatically reduce the financial hardship and out pocket impact families face during unforeseen situations.
A bond is an obligation of a surety or insurance company to protect an individual or a business against financial loss caused by the acts of another party. There many types of bonds and are often required by contractor owners, municipalities, and entities whom a company does business with. Bonds can provide protection against the failure to perform work to claims against an employee’s theft of a customer’s property.