Here's All The Ways a Commercial Insurance Policy Has Your Back
From the home office with no employees to a 50-person office stuffed to the brim - let's talk options.
Business Insurance can be as unique as your business.
Commercial insurance policies are split into coverages so businesses get to pick and choose their policy. Getting the coverage you actually need, no more and no less, affects your premium price the most!
Commercial General Liability is the suggested minimum.
Worker's Compensation is required if you have employees in CA.
Professional Liability (E&O) is a must for all professional services-based businesses.
A Business Owner's Policy (BOP), though popular, may be more than a small remote team needs.
Blueberry Insurance Agency proudly writes policies on behalf of these great insurers.
1). Commercial General Liability
Pays for harm your business accidentally causes to a client or bystander.
General Liability is GENERAL. This covers everything from a slip and fall on your property to someone suing you for libel because they heard someone on your team said mean things at the hotel bar during an industry conference.
Liability and Property coverage for your business vehicles.
If you need vehicles to operate your business, you'll need to get business-specific auto insurance. Commercial auto liability protects your business if drivers are at-fault in an accident and commercial property protects the vehicles themselves from damage.
Protects your company from professional mistakes that cause harm to your clients that you or your employees make.
If your business gives advice or provides a professional service in exchange for money in any way, you need some protection in case that advice or service actually ends up causing harm. Good coverage to have if you like your clients and don't want to do wrong by them on accident.
Pays for the fallout from hacks, ransomware, and other tech-related mayhem.
If you are a mostly online operation, manage a database with PII or HIPAA considerations, or do business with a large company that requires it, you'll need cyber liability. Cyber attack events are rare, but potentially catastrophic with outsized ransom demands and potential class action lawsuits.
