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Commercial Insurance

Insurance Service for Businesses of all types

Commercial General Liability Insurance

Protect your business: Understanding general liability insurance

For any business, large or small, general liability business insurance should be an essential part of your business insurance portfolio.

Workers Compensation

Protect your business. Get Workers’ compensation Insurance

Workers’ compensation insurance gives employees medical, wage, and other financial benefits if they are injured or become ill on the job. This coverage is required in most states.

Commercial Property Insurance

Protect your vital properties with Bzee’s property insurance coverage

Commercial property insurance helps protect your owned or rented building, plus the tools and equipment you use to operate your business.

Construction Contractors Insurance

The Insurance coverage you need to fully protect your construction business – correctly.

From large construction projects to small home upgrades, contractor insurance can keep you covered as you work.

Other types of commercial insurance we offer include;

Business Owners Packages (BOP)

Business Owners Package (BOP)

Business Owners Package (BOP) is a comprehensive insurance policy tailored for small to medium-sized businesses, providing a cost- effective way to bundle essential coverages into a single package. BOP typically combines general liability insurance, and property insurance, and often includes additional coverages tailored to the specific needs of the business, such as business interruption insurance, equipment breakdown coverage, and crime insurance. By bundling these coverages, businesses can benefit from convenience, potential cost savings, and streamlined insurance management. BOP is designed to offer a well-rounded protection package, safeguarding businesses from a range of risks and liabilities, and ensuring they can continue to operate smoothly even when faced with unexpected events or financial losses.

Commercial General Liability (CGL)

Construction General Liability (CGL)

Construction General Liability (CGL) insurance is a fundamental type of insurance coverage designed to protect businesses from various third-party claims of bodily injury, property damage, or personal injury. This policy provides financial assistance for legal defense costs and settlement payments in case the business is found liable for causing harm or damage to someone else’s property or person. CGL insurance typically covers incidents that occur on the business premises, as well as those resulting from the business’s operations or products. It is essential for businesses of all sizes and industries, as it helps safeguard their financial stability and reputation by offering vital protection against lawsuits and claims that could otherwise result in significant financial losses and potential business disruptions.

Commercial Auto Insurance

Commercial Auto Insurance

Commercial auto insurance is a specialized insurance policy that provides coverage for vehicles used for business purposes. Unlike personal auto insurance, which is designed for personal use vehicles, commercial auto insurance is tailored for vehicles used in business operations, such as delivery trucks, company cars, taxis, or service vehicles. This type of insurance typically offers coverage for bodily injury and property damage liability, as well as physical damage to the vehicles involved in accidents or other covered incidents. Commercial auto insurance helps protect businesses from potential financial liabilities arising from accidents, injuries, or property damage caused by their business-owned vehicles, ensuring they can continue their operations smoothly while mitigating the risks associated with commercial driving activities.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance also known as Errors and Omissions (E&O) insurance, is a specialized type of insurance coverage designed to protect professionals and businesses from claims of negligence or inadequate performance in the services they provide. This insurance is particularly relevant for professionals such as doctors, lawyers, accountants, consultants, architects, and other service-oriented professionals. Professional liability insurance covers legal defense costs, settlements, and judgments related to claims made by clients or third parties who allege financial losses or damages due to the professional’s errors, omissions, or failures to deliver services up to industry standards. It is essential for professionals to have this insurance as it helps protect their financial stability and reputation, providing them with the confidence to focus on delivering their expertise without the constant worry of potential lawsuits and financial liabilities.

Errors & Omission Insurance

Error & Omissions (E&O) Insurance

Error & Omission (E&O) insurance is another term for Professional Liability Insurance. It is a specialized type of insurance coverage designed to protect professionals and businesses from claims of negligence or inadequate performance in the services they provide. E&O insurance covers legal defense costs, settlements, and judgments related to claims made by clients or third parties who allege financial losses or damages due to the professional’s errors, omissions, or failures to deliver services up to industry standards. This insurance is particularly relevant for professionals such as doctors, lawyers, accountants, consultants, architects, and other service-oriented professionals. Having E&O insurance is crucial for professionals as it helps protect their financial stability and reputation, allowing them to focus on their work with confidence, knowing they are protected from potential lawsuits and financial liabilities.

Inland Marine Insurance

Inland Marine Insurance

Inland marine insurance is a specialized type of insurance coverage that provides protection for movable property or goods while they are in transit over land, or when they are temporarily stored at locations away from the business’s primary premises. Despite its name, this insurance is not related to marine transport on the sea; instead, it was historically developed to cover goods during transportation on land. Inland marine insurance is commonly used by businesses that regularly transport valuable equipment, tools, merchandise, or other property between different locations. It offers coverage for various risks, including theft, damage, and loss, providing financial protection to businesses for their property that is frequently on the move or not kept at a fixed location.

Builder’s Risk Insurance

Builders Risk Insurance

Builder’s risk insurance, also known as course of construction insurance, is a type of property insurance designed to protect buildings or structures that are under construction or renovation. This specialized coverage provides financial protection against a range of risks that could occur during the construction process, such as fire, theft, vandalism, wind damage, and other covered perils. Builder’s risk insurance typically covers the building itself, as well as materials, fixtures, and equipment on the construction site. It may also include coverage for soft costs, such as additional financing or lost income due to construction delays caused by covered events. Builder’s risk insurance is essential for contractors, property developers, and property owners, as it helps mitigate potential financial losses during the construction phase, ensuring that the project remains financially protected and on track to completion. Once the construction is complete, the insurance policy terminates, and the property can be transferred to a permanent property insurance policy.

Business Umbrella Policies

Business Umbrella Policy

The business umbrella policy, also known as commercial umbrella insurance, is an additional liability insurance coverage that provides extra protection beyond the limits of a business’s primary liability policies, such as general liability and commercial auto insurance. It acts as a safety net, offering extended coverage in the event of catastrophic accidents, lawsuits, or large-scale claims that exceed the limits of the underlying policies.
Business umbrella insurance is designed to protect businesses from significant financial losses and potential bankruptcy due to costly legal expenses or damages awarded in a lawsuit. This coverage provides an additional layer of security and peace of mind, making it an essential consideration for businesses looking to enhance their liability protection and ensure comprehensive risk management.

Equipment Breakdown Insurance

Equipment Breakdown Insurance

Equipment breakdown insurance, also known as machinery breakdown insurance or boiler and machinery insurance, is a specialized type of insurance coverage that protects businesses from financial losses due to the sudden and accidental breakdown of crucial equipment. This coverage goes beyond what is typically covered by property insurance, as it includes a wide range of mechanical, electrical, and electronic equipment, such as boilers, machinery, HVAC systems, refrigeration units, computers, and more. Equipment breakdown insurance provides funds to repair or replace the damaged equipment, covers business income losses resulting from the breakdown, and includes expenses for temporary replacements or rentals during the repair period. It is particularly important for businesses that heavily rely on equipment for their day-to-day operations, as it helps them maintain continuity, minimize downtime, and recover from unexpected equipment failures or malfunctions.

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance (EPLI) is a type of insurance coverage designed to protect businesses against claims related to various employment practices and workplace-related liabilities. These claims may include allegations of wrongful termination, discrimination, harassment, retaliation, and other violations of employees’ rights. EPLI provides financial protection by covering defense costs, settlements, and judgments associated with such claims. This insurance is particularly important for businesses of all sizes, as it helps mitigate the financial risks and potential reputation damage that can arise from employee-related lawsuits. EPLI plays a vital role in safeguarding businesses against the increasing number of employment-related litigation cases and can be customized to suit the specific needs of each company’s workforce and industry.

Business Personal Property Insurance

Business Personal Property Insurance

Business personal property insurance is a type of insurance coverage that protects a business’s movable assets and belongings from damage, loss, or theft. It covers a wide range of items, including furniture, equipment, inventory, tools, and machinery used in the business’s day-to-day operations. Business personal property insurance is typically included in a business owner’s policy (BOP) or a commercial property insurance policy. In the event of covered perils such as fire, vandalism, or natural disasters, this insurance provides financial reimbursement to replace or repair damaged or stolen items. This insurance is crucial for businesses of all sizes, as it helps them recover from unexpected losses and ensures their continued operations without significant financial burdens.

Business Interruption Insurance

Business Interruption Insurance

Business interruption insurance is a type of insurance coverage that helps businesses recover lost income and cover ongoing expenses in the event of a significant disruption to their operations. This disruption could be caused by various covered perils, such as fires, natural disasters, or other unforeseen events that force the business to suspend or reduce its activities. Business interruption insurance typically covers the income the business would have earned during the period of interruption, as well as operating expenses, such as rent, utilities, and employee salaries. It aims to provide financial support to businesses during the period of downtime, enabling them to recover and resume their operations as quickly as possible without suffering severe financial setbacks. Business interruption insurance is often purchased as an add-on or endorsement to a property insurance policy and is essential for businesses seeking to protect themselves from potential losses caused by unforeseen disruptions.

Companies we’ve found insurance for:​

  • Manufacturers
  • Distributors
  • Importers
  • Exporters
  • Coffee Shops
  • Bakeries
  • Print & Ship Stores
  • Limos
  • Restaurants
  • Daycare Facilities
  • Fitness Centers
  • Apartment Complexes
  • Computer Repair Operations
  • Barber Shops
  • Beauty Salons
  • Commercial Building Owners
  • Condo Owners Associations
  • Delivery service providers
  • Flooring Contractors
  • Grocery Stores
  • HVAC Contractors
  • Plumbing Contractors
  • Electrical Contractors
  • Janitorial Contractors
  • Landscapers
  • Masonry Contractors
  • Property Managers & Owners
  • Self Storage Owners
  • Townhome Associations
  • Truckers
  • Workers Compensation

If you don’t see your company type on our list, please feel free to reach out and we’ll see if there’s a market for you.