Understanding Commercial Insurance

As a leading insurance agency, we know business and we make it our business to protect yours. Get the ultimate peace of mind when you work with Block Insurance to gain coverage on every element of your company.

Every business is unique, and your commercial insurance should reflect that. At Block Insurance, we connect you with coverage options based on your industry and specific company needs. Generally speaking, commercial insurance refers to coverage designed to protect businesses, owners, and employees.

Some of the most common commercial insurance types include property, liability, and worker’s compensation. Let's examine these further:

Commercial liability insurance: this type of insurance protects your business from financial loss if you are held liable for property or personal damage caused by your services, employees or products.

Commercial property insurance: provides coverage for your building, inventory, equipment, tools and other property assets.

Commercial worker's compensation: provides financial compensation in the event of a work-related injury to cover medical expenses and lost wages during your employee absence.

All of the insurance types mentioned above fall under commercial casualty insurance. Commercial casualty insurance is a broader term that protects businesses against accident-related losses. At Block Insurance, we help commercial owners stay prepared for every potential risk and outcome.

Commercial & Business Insurance Products

General Liability Insurance – Broad insurance coverage for your business and activities
Commercial Property Insurance – Protect your business with insurance for your commercial property
Business Auto Insurance – Cover your business with insurance for commercial vehicles
Commercial Umbrella Insurance – Insurance coverage that helps protect your business from the rising costs of lawsuits
Workers Compensation Insurance – Insurance coverage that helps you take care of your employees
Bonds - Protect your assets with financial backups for promises made by others

Commercial Worker's Comp

Worker's compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Block Insurance can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you'll see on the bottom line.

Coverage for office workers using their own vehicles on company business is often needed as well. If you have employees, it is critical that you consider workers Compensation coverage.

What You Need to Know

Some Worker's Compensation coverage can include:

Innovative payment systems
Medical disability case managers
Utilization management nurses
Certified life care planning nurses
Vocational rehabilitation consultants
Physician consulting services
Legal staff
Contracts with medical network providers
Managed prescription drug program

To find out more about workers compensation insurance and other business insurance products and services, contact us today.

Cyber Insurance- The Commercial Side

A hot target for cyberattacks is the commercial industry. Most businesses house highly sensitive information online that could be detrimental for your company, customers, and employees if compromised. Keep the commercial side of your life protected with cyber insurance.

About Cyber Insurance »