BUSINESS INSURANCE

Benefit Mutual Insurance Specializes in Business Insurance to include Commercial Property, Business Liability, Commercial General Liability, Business Owners Policy, Commercial Auto, Commercial Umbrella, Professional Liability, Directors and Officers Liability, Fiduciary Liability, Employment Practices Liability, Workers Compensation, Commercial Crime, etc.
 
  • Commercial Property Insurance (CPI) protects commercial property from fire, theft, natural disasters, minor accidents, and/or major financial loss.  Many types of businesses carry this type of insurance including manufacturers, retailers, service-oriented businesses and non-profit organizations as it can cover all interior Items such as furniture, signs, equipment, inventory, etc. If you need more information, please contact Benefit Mutual Insurance today!
  • Business Liability Plans (BLP) to help protect your business from unforeseen occurrences such as General Liability, Workers Compensation, Professional Liability, Surety Bonds and Cyber Crime which has become increasingly frequent, complex and costly. If you need more information, please contact Benefit Mutual Insurance today!
  • Commercial General Liability (CGL) provides coverage to a business for bodily injury, personal injury property damage, caused by the business' operations, products, or injury that occurs on the business' premises. If you need more information, please contact Benefit Mutual Insurance today!
  • Business Owners Policy (BOP) offers policies that combine protection from general liability to property protection if you cause bodily injury, property damage, personal injury, advertising injury, property replacement cost, coverage for buildings and most business owners' personal property. If you need more information, please contact Benefit Mutual Insurance today!
  • Commercial Auto (CA) offers liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy. If you need more information, please contact Benefit Mutual Insurance today!
  • Commercial Umbrella (CU) is used when businesses are the target of lawsuits. If the cost of a claim exceeds the limits of a business's underlying primary insurance policies. This policy extends liability coverage for an additional layer of insurance to further protect business assets. If you need more information, please contact Benefit Mutual Insurance today!
  • Professional Liability Insurance (PLI) also known as errors & omissions (E&O) in the US, is a form of liability insurance which helps protect professional advice and service-providing individuals and companies from bearing the full cost of defending. Depending on your industry, your insurance needs will vary. If you need more information, please contact Benefit Mutual Insurance today!
  • Directors and Officers Liability (D & O) is a liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as reimbursement for losses or advancement of defense costs in the event an insured suffers such a loss from a legal action brought for alleged wrongful acts in their capacity as directors and officers. If you need more information, please contact Benefit Mutual Insurance today!
  • Fiduciary Liability (FL) protects businesses' and employers' assets against fiduciary-related claims of mismanagement of a company's employee benefit plans. It is not required but it covers claims that involve the violation of the Employee Retirement Income Security Act (ERISA).  If you need more information, please contact Benefit Mutual Insurance today!
  • Employment Practices Liability (EPL) provides coverage to employers against claims made by employees alleging discrimination based on sex, race, age, disability wrongful termination, harassment and other employment-related issues, such as failure to promote. If you need more information, please contact Benefit Mutual Insurance today!
  • Workers Compensation (WC) is a form of insurance providing wage replacement and medical benefits to employees injured. If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. If you need more information, please contact Benefit Mutual Insurance today!
  • Crime Insurance (CI) provides several different types of crime coverage, such as employee dishonesty coverage; forgery or alteration coverage; computer fraud coverage; funds transfer fraud coverage; kidnap, ransom, or extortion coverage; money and securities coverage; and money orders and counterfeit money coverage. If you need more information, please contact Benefit Mutual Insurance today!