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Business Insurance

Protect your business, property, employees, vehicles, and professional operations with coverage tailored to the risks your organization faces.

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Business Coverage Options

Explore insurance options designed to help businesses manage property, liability, employee, vehicle, cyber, and contractual risks.

Business Owners Policy

A business owners policy, commonly called a BOP, combines several important types of business insurance into one policy. It is often designed for small and medium-sized businesses with common property and liability risks.

Coverage may include:
  • General liability insurance
  • Commercial property insurance
  • Business interruption coverage
  • Business personal property coverage
  • Equipment and inventory protection
  • Optional coverage tailored to your industry
Ask About a Business Owners Policy

General Liability Insurance

General liability insurance can help protect your business from certain claims involving bodily injury, property damage, and personal or advertising injury.

Coverage may help address:
  • Customer or visitor injuries
  • Damage to another person’s property
  • Personal and advertising injury claims
  • Certain legal defense expenses
  • Medical payments following covered incidents
  • Completed operations liability
Ask About General Liability

Commercial Property Insurance

Commercial property insurance can help protect the buildings, equipment, inventory, furniture, and other physical assets used to operate your business.

Coverage may include:
  • Owned or leased business buildings
  • Furniture, fixtures, and equipment
  • Inventory and business supplies
  • Computers and electronic equipment
  • Outdoor signs and certain exterior property
  • Business income following certain covered losses
Ask About Commercial Property

Commercial Auto Insurance

Commercial auto insurance is designed for cars, vans, trucks, and other vehicles used for business purposes. Personal auto policies may not provide appropriate coverage for business-related vehicle use.

Coverage may include:
  • Bodily injury liability
  • Property damage liability
  • Collision coverage
  • Comprehensive coverage
  • Uninsured and underinsured motorist coverage
  • Medical payments coverage
  • Hired and non-owned auto coverage
Ask About Commercial Auto

Workers’ Compensation Insurance

Workers’ compensation insurance can provide benefits when an employee experiences a covered work-related injury or occupational illness. Requirements and available coverage vary by state and business type.

Benefits may include:
  • Medical treatment for covered injuries
  • Partial replacement of lost wages
  • Rehabilitation services
  • Temporary or permanent disability benefits
  • Death benefits for eligible dependents
  • Employer liability protection
Ask About Workers’ Compensation

Professional Liability Insurance

Professional liability insurance, sometimes called errors and omissions insurance, can help protect businesses that provide professional advice, services, or expertise.

Coverage may help address claims involving:
  • Professional errors or omissions
  • Negligence allegations
  • Failure to provide promised services
  • Misrepresentation claims
  • Missed deadlines or incomplete work
  • Certain legal defense expenses
Ask About Professional Liability

Cyber Liability Insurance

Cyber liability insurance can help a business respond to certain data breaches, cyberattacks, privacy events, and technology-related interruptions.

Coverage may help with:
  • Data breach response expenses
  • Customer notification costs
  • Credit monitoring services
  • Cyber extortion and ransomware response
  • Data restoration expenses
  • Business interruption following a cyber incident
  • Privacy and network security liability claims
Ask About Cyber Liability

Commercial Umbrella Insurance

Commercial umbrella insurance can provide additional liability protection above the limits of qualifying underlying business insurance policies.

Additional protection may apply above:
  • General liability insurance
  • Commercial auto liability insurance
  • Employer liability coverage
  • Certain premises liability claims
  • Certain product or completed operations claims
  • Other qualifying underlying liability policies
Ask About Commercial Umbrella

Business and Surety Bonds

Business and surety bonds provide a financial guarantee that a business or individual will meet specified legal, contractual, or professional obligations.

Available bond types may include:
  • License and permit bonds
  • Contractor bonds
  • Performance bonds
  • Payment bonds
  • Bid bonds
  • Fidelity bonds
  • Notary and other commercial bonds
Ask About Bonds

Protect Your Business

Contact Riverside Insurance Partners to discuss your business, employees, property, vehicles, contracts, and potential liability exposures.