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Business Insurance ... That Fits

Understanding the Terms Used

Buying Commercial Insurance

Protects you from losses that are a threat to the financial health of your

organization.  Therefore, commercial insurance is an important element of a

sound plan of operations.  Here is what you need to know, what you need to

look for, and what you need to do when shopping for insurance for your


Protection Is What Matters

Insurance is there to protect you from losses that are significant to your

organization.  But what is a significant loss to one business may be a trivial

loss to another.  Therefore, your COVERAGE, DEDUCTIBLES, and POLICY

LIMITS must be chosen carefully.


The various insurance policies available to business organizations include:

Accounts Receivable

Comprehensive or Commercial General Liability (CGL)



Commercial Automobile

Errors and Omissions

Directors and Officers

Every organization requires its own set of coverage.  Discuss your needs

with your insurance representative.  The more your representative knows

about your business and its operations, the better prepared they will be to

advise you about the type of insurance you need.

Periodically, REVIEW YOUR INSURANCE POLICY with your Insurance

Representative.  Over time, your business may grow and your insurance

needs may change.  You could find yourself paying for coverage you don't