Business Insurance

You’ve poured your heart and soul into your business planning. Make sure it’s covered.

You’ve spent countless hours building and nurturing your business planning. It’s your livelihood. Give your business the protection it deserves with the help of Hercules Financial Services Group– your trusted advisor.

We value your business just as much as you do.  

Not sure what type of insurance your business needs?

In a nutshell, liability insurance of different types serves as protection for you and your  business  from unexpected losses . So rather than focusing on what could happen, you can focus on helping your business grow and thrive. There are many types of insurance policies that protect the company you’ve worked hard to build, including coverage for business property damage, legal liability and employee-related risks.

Depending on your business, you may need different levels of liability coverage, plus extra add-ons to ensure that you, your employees, other individuals, the vehicles and your business are fully protected.

General liability insurance is a great way to get the most important types of business insurance policies. If you can only afford one type of business insurance, this is the one to get. For most business owners, GLI is the ideal type of insurance because it covers you for types of situations resembling:

Fixing damage done to property belonging to someone who is not you or your employee during your work
Medical costs for injuries to a third party on your premises or through your work
If a third-party sues you for sharing before and after photos of a site you worked on or a client you helped
Damage caused by a product that you make or sell
Professional liability insurance becomes relevant if your client isn’t happy with the job you’ve done or says that you gave them bad advice.

For example, if you recommend a certain type of floor tiles which turn out to be dangerously slippery, your client could sue you. If you encourage a personal training client to keep pushing on, and they end up tearing their hamstring, that could result in a professional liability claim. Professional liability insurance will generally pay your legal costs and damages to your client.

Business Owners Policy (BOP) is an enhanced insurance policy that combines general liability insurance and property insurance.

Many small business owners mistakenly believe that if they have general liability insurance their own losses are covered, as well as the losses of their customers. But a general liability policy does not protect you when it comes to your own property. If you want to protect your own property, consider buying a Business Owners Policy (BOP).

Commercial Auto You need this coverage if you use your vehicles for business.

This can include traveling between job sites, making deliveries or transporting tools and equipment. It provides liability and physical damage protection for your business vehicles and trailers.You can’t predict weather or another driver’s behavior, so play it safe with a Commercial Auto insurance policy.

 
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