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Yes, If you suffer a loss and have no insurance or have improper or insufficient coverage, there is very little, if anything, we can do to help you. You must be prepared for the risks that are inherent in any business and the losses, sometimes catastrophic, that they can cause.
Commercial auto insurance provides protection for any vehicle designated for business use against both property damage and liability. Whether you drive a vehicle that is for dedicated business use or drive a personal vehicle for business, it is important to have commercial auto insurance, as your vehicle will not covered under a personal auto policy.
General Liability Insurance, also called Commercial Liability Insurance, is a policy that covers third-party lawsuits over bodily injuries and property damage. A "third party" can be anyone other than the insured's employee (e.g., a customer or a business partner).
Key man insurance or Key person insurance is an insurance policy taken out by a business to compensate that business for financial losses that would result from the death or extended incapacity of an essential member of the business.
It is insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.