Business Insurance

Business Insurance

One of the biggest benefits of having business insurance is the financial protection it offers when unforeseen accidents and calamities threaten to derail your operations. Having the right policy plays a key role in helping your business recover faster. But with the numerous types of business insurance policies out there, how do you know which one provides the correct coverage?

Let our experience and expertise at Activus match the most prudent insurance policy to your unique needs. We understand what can keep you up at night, and we are passionate about helping your business have the proper coverage to protect you and your business and to give you peace of mind.

GENERAL LIABILITY INSURANCE

General liability insurance is a core component of business insurance. This helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander.
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COMMERCIAL PROPERTY

Commercial property insurance helps minimize the financial impact of the damage natural and man-made disasters cause to your business’ on-site physical assets.
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PROFESSIONAL LIABILITY INSURANCE

Professional liability insurance helps protect you and your company if you’re found negligent in the professional services you provided to a client, even if you didn’t make a mistake.
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COMMERCIAL AUTO INSURANCE

Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important.
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WORKERS COMPENSATION INSURANCE

Most state laws require you to carry this insurance to help compensate employees for expenses associated with work-related injuries or illnesses like medical bills, rehabilitation and lost wages.
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HEALTH INSURANCE

Health insurance is designed to help offset the costs of medical treatment by covering a portion of the professional and hospital fees incurred. You are also more likely to find quality employees that will work for your company for longer with these sorts of benefits.
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Additional Business Policies of which Activus can assist you with coverage:
  • Directors’ and Officers’ (D&O) Insurance
  • Cyber Insurance
  • Business Interruption Insurance
  • Tools and Equipment Insurance
  • Product Liability Insurance
  • Excess Liability Insurance

Insurance is the only product that both the seller and buyer hope is never actually used.

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GENERAL LIABILITY INSURANCE

General liability insurance is a core component of business insurance. This helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander. Most policies also offer product liability coverage, which protects your business from lawsuits claiming injury or losses because of a product you sell or make.

General liability insurance pays for the legal and settlement costs if your company has been accused of causing the abovementioned harm. Some policies also cover medical expenses for injuries that happen within your business premises, whether you are at fault, or a lawsuit has been filed. It’s a necessity for any business, no matter the size.

COMMERCIAL PROPERTY

Commercial property insurance helps minimize the financial impact of the damage natural and man-made disasters cause to your business’ on-site physical assets. These include
  • Property or building your business operates
  • Equipment and technology your business uses
  • Inventory of products and materials your company stores and sells
  • An office, factory or warehouse is full of assets—computers, machinery, supplies desks, printers.
It’s important to make sure all these assets will be covered in case of an unforeseen occurrence.

PROFESSIONAL LIABILITY INSURANCE

Professional liability insurance helps protect you and your company if you’re found negligent in the professional services you provided to a client, even if you didn’t make a mistake. Professional liability insurance, also known as errors and omissions insurance, is vital for companies that provide services or counsel; Mistakes happen, and if you or an employee makes an error, we can make sure you are covered.

COMMERCIAL AUTO INSURANCE

Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important. If it is one car for pizza delivery or a massive fleet of 18-wheeler semi-trucks, a commercial auto insurance policy is a must to protect you and your business.

WORKERS COMPENSATION INSURANCE

Most state laws require you to carry this insurance to help compensate employees for expenses associated with work-related injuries or illnesses like medical bills, rehabilitation and lost wages. This coverage allows employees and employers to remain on the same team, even in the case of an accident. No matter who is at fault. Your staff will feel valued with a comprehensive workers’ compensation policy and you will have peace of mind knowing you won’t be enduring debilitating additional costs.

HEALTH INSURANCE

Health insurance is designed to help offset the costs of medical treatment by covering a portion of the professional and hospital fees incurred. You are also more likely to find quality employees that will work for your company for longer with these sorts of benefits. Group healthcare increases happiness, health, and retention among employees. Also, Group health insurance policies can benefit some companies due to tax incentives from the government.

If your business employs more than 50 full-time staff, you are required to take out health insurance for your workers under the Affordable Care Act (ACA). If you have less than 50 workers, you can access Small Business Health Options Program (SHOP) instead.