You may purchase business insurance for nearly every operation and risk your business faces. In fact, with so many options available, it is hard to determine what type of coverage you need. Allow the agents at Bessette Insurance to work with you in helping you choose the coverage’s you need most!
We divide business’s into specific categories allowing us to provide you with the Commercial Auto policy targeted for your business. Small business is defined as a privately owned corporation an individual, partnership, LLC or sole proprietorship. These vehicles are typically operated in a business capacity, they may include pick-up truck, vans, cars, SUV’s, and special use automobiles
General Liability provides coverage for claims arising out of bodily injury or other physical injury or property damage. Quite often General Liability coverage is packaged with Property insurance to protect your business against incidents that may occur on your premises or at other covered locations where you normally conduct business. General Liability coverage allows your business to continue operations should it be faced with real or fraudulent claims of certain types of wrong doing or negligence.
Basic forms of coverage include: Bodily Injury, Property Damage, Personal Injury (including libel or slander) and Advertising Injury
This coverage provides additional Liability protection for large Liability claims which would exceed your underlying liability insurance.
COMMERCIAL PROPERTY INSURANCE
This coverage is used to cover any type of commercial property. This coverage protects commercial property from such perils as natural disasters, fire and theft.. Essentially this Insurance policy provides the same kind of protection as property insurance for consumers. Most businesses can usually deduct the cost of commercial property insurance premiums as expenses.
Workers' compensation insurance is a state-mandated insurance program that pays benefits to workers injured on the job. Employers are required by state law purchase Worker’s Compensation policy.
Bond Insurance sometimes called "bonding," is a policy purchased to protect against loss caused by a lack of competence or by fraud or dishonesty.