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Choose from a variety of commercial business insurance options
Business insurance protects your small business from financial damages that can result from accidents, property damage, professional errors, workers compensation claims and other situations. Having accurate coverage is critical in minimizing the negative impact of claims against your business.
From basic protection to specialized coverage, Pimentel Garcia, our insurance carriers offer several types of commercial insurance so you can get the best combination of coverages for each stage of your business’s development.
Types of Coverage
Additional business insurance products
Commercial Property Insurance – Also called business property insurance, it protects commercial buildings and moveable property your business owns. It’s offered as a part of a BOP
Employment Practices Liability Insurance – Also known as EPLI, it protects against claims related to employee discrimination, sexual harassment and wrongful termination.
Excess and Surplus Insurance – Insurance for businesses who can’t get coverage in the admitted market. This includes new ventures and businesses with unusually high risk. It’s also known as E&S insurance.
Inland Marine Insurance – This is coverage for movable property, equipment, tools, supplies and various other goods during transport over land.
Liquor Liability Insurance – Liquor liability insurance is coverage for businesses that make, sell or serve alcoholic beverages. It’s also known as dram shop insurance.
Still have questions? Check out our FAQ!
Business insurance isn’t a specific coverage. It’s a term used to describe one or more individual coverages that protect a small business. The range of protection depends on the specific coverages a business carries. For example, “business insurance” can refer to a single coverage, such as general liability, but it can also include many more.
Each business has unique needs, but nearly all should consider general liability. It’s the most common coverage, protecting businesses against a wide variety of situations involving third-party injuries or property damage (e.g. slip and falls, broken windows).
If you or your employees drive for work-related tasks, you’ll probably need commercial auto insurance. Most states require that you carry workers’ compensation if you have employees.
You need it to protect against severe financial loss. Without it, your business could be crippled by a single incident. For example, a customer was injured and you’re legally responsible. Without insurance, the medical bills and legal fees could become impossible to afford. Don’t let this happen to you.