Commercial Insurance
Running a business comes with risk—property damage, lawsuits, data breaches, and employee issues can all happen without warning. Whether you’re a small business owner or manage a larger operation, commercial insurance helps protect your property, people, assets, and reputation.
THE BASICS
Why You Need Commercial Insurance
Commercial insurance protects your hard-earned investment, providing financial security and peace of mind. With the right coverage, you can focus on growing your business knowing your policy guards you from the unexpected.
Nearly every type of business can benefit from having the right coverage. Brick & mortar shops need protection from property damage & inventory loss, customer injuries, and lawsuits; while service providers like consultants, designers, and accountants are protected in case of errors or client disputes.
Whatever your commercial insurance needs, the experts at Brunt Insurance will help you make the right decision on your level of coverage.
Commercial Insurance Types to Know
Business Owner’s Policy (BOP)
A BOP is a bundled insurance package tailored for small to mid-sized businesses. It usually combines:
General liability insurance (covers customer injuries, property damage, legal costs)
Commercial property insurance (protects buildings and contents)
Optional add-ons like business interruption coverage
A BOP is cost-effective and convenient, providing broad protection in a single policy.
Commercial Property Insurance
This coverage protects your physical assets, including:
Buildings
Equipment & inventory
Furniture and fixtures
Outdoor signage
It covers damages from events like fire, storms, theft, and vandalism.
Cyber Liability / Online Business Coverage
If you store customer data, sell products online, or rely on digital systems, cyber insurance is essential. It helps cover:
Data breach costs (notifications, credit monitoring)
Ransomware/extortion
Legal defense and settlements
Recovery of compromised data and systems
It’s critical for e-commerce and tech-based businesses.
Professional Liability Insurance (E&O)
Professional liability includes Errors & Omissions (E&O), all of which protects service-based businesses against:
Claims of negligence
Work mistakes
Missed deadlines or contract breaches
E&O coverage specifically focuses on financial damages caused by mistakes or oversight
A client claims your work caused them a loss
It’s vital for professionals like consultants, IT providers, real estate agents, architects, and accountants.
Employment Practices Liability Insurance (EPLI)
EPLI covers claims made by current or former employees over:
Wrongful termination
Discrimination
Sexual harassment
Retaliation
It pays for legal defense, settlements, and judgments—even if the claim is baseless.
Contact Us and Get Started
Make the right call for your business. Our team is ready to answer any questions you have. Call or click today and find out how to protect your hard work.
Contact Us