Commercial Insurance
Running a business comes with risks, but with the right insurance, you can protect your assets, employees, and operations from unexpected challenges. At First USA Insurance, we provide customized commercial insurance solutions to safeguard your company from financial losses due to accidents, lawsuits, property damage, and more.
Our Commercial Insurance Coverage Includes:
Commercial Property & Casualty Insurance
Your business property is one of your biggest investments. Commercial Property & Casualty Insurance provides coverage for:
✔ Buildings and structures – Protects your office, warehouse, or retail space from fire, vandalism, theft, and natural disasters.
✔ Business personal property – Covers equipment, inventory, and furniture against damage or loss.
✔ Business interruption insurance – Provides compensation for lost income if your business operations are halted due to a covered event.
✔ Equipment breakdown – Covers repair or replacement costs of essential business equipment that fails due to mechanical or electrical issues.
Whether you own or lease your business space, having the right coverage ensures financial security in times of crisis.
General Commercial Liability Insurance
Every business faces liability risks, and General Commercial Liability Insurance protects against lawsuits, medical expenses, and legal fees. Coverage includes:
✔ Bodily injury and property damage – Protects against claims related to customer injuries or damage caused by your business operations.
✔ Product liability – Covers claims of injury or damage caused by your products.
✔ Advertising and personal injury – Protects against claims of libel, slander, copyright infringement, and false advertising.
✔ Medical expenses coverage – Pays for medical costs if someone is injured on your business premises.
Without liability coverage, one lawsuit could put your entire business at risk. This policy is essential for businesses of all sizes.
Commercial Auto Insurance
If your business relies on vehicles for deliveries, services, or transportation, Commercial Auto Insurance is a must. It covers:
✔ Liability coverage – Protects your business if a company vehicle causes an accident.
✔ Collision and comprehensive coverage – Pays for damages to your business vehicles from accidents, theft, vandalism, and natural disasters.
✔ Uninsured/underinsured motorist coverage – Protects your company from financial loss if an uninsured driver hits a business vehicle.
✔ Hired and non-owned auto coverage – Extends liability protection to employees using personal or rented vehicles for business purposes.
Ensure your fleet, drivers, and business are protected on the road with comprehensive commercial auto coverage.
Crime Insurance
Business theft and fraud can come from external threats or internal employees. Crime Insurance protects your business from financial losses caused by:
✔ Employee dishonesty – Covers losses from theft, embezzlement, or fraud by employees.
✔ Forgery and alteration – Protects against fraudulent checks and document alterations.
✔ Robbery and burglary – Covers theft of money, securities, and property on or off your business premises.
✔ Cybercrime protection – Helps recover financial losses from cyber fraud and electronic theft.
Crime-related losses can be devastating, but having the right coverage ensures financial stability and security.
Workers’ Compensation Insurance
Protecting your employees means protecting your business. Workers’ Compensation Insurance covers:
✔ Medical expenses and rehabilitation – Covers treatment costs for employees injured on the job.
✔ Lost wages – Provides partial wage replacement for employees unable to work due to work-related injuries.
✔ Disability and death benefits – Offers financial support to families in case of a fatal workplace accident.
This coverage is required by law in most states and is essential for reducing legal and financial risks associated with workplace injuries.
Boiler & Machinery Insurance (Equipment Breakdown Insurance)
Unexpected equipment failures can lead to major financial losses. Boiler & Machinery Insurance covers:
✔ Mechanical and electrical breakdowns – Pays for repair or replacement of essential business equipment.
✔ Boilers, heating, and cooling systems – Covers costs associated with boiler explosions, HVAC failures, and power surges.
✔ Business income loss – Compensates for lost income due to equipment failure that disrupts operations.
Ideal for manufacturing businesses, restaurants, hospitals, and any company relying on specialized equipment.
Excess Liability Insurance (Umbrella Policy)
For businesses needing extra protection beyond their standard liability policies, Excess Liability Insurance (also known as a Commercial Umbrella Policy) provides:
✔ Higher coverage limits – Extends coverage limits for general liability, commercial auto, and employer liability policies.
✔ Extra protection against lawsuits – Covers legal costs and settlements exceeding primary policy limits.
✔ Financial security for large claims – Ensures your business can handle costly legal judgments.
For businesses with high exposure to liability risks, excess liability insurance provides crucial financial protection.
Additional Commercial Insurance Coverage
In addition to the core commercial insurance policies, we offer:
✔ Professional Liability Insurance (Errors & Omissions Insurance) – Protects service-based businesses from claims of negligence, mistakes, or failure to deliver promised services.
✔ Directors & Officers (D&O) Insurance – Protects company executives from personal losses due to lawsuits related to mismanagement or regulatory violations.
✔ Cyber Liability Insurance – Covers financial losses due to data breaches, hacking, and cyberattacks.
✔ Inland Marine Insurance – Protects business equipment and property while in transit.
✔ Employment Practices Liability Insurance (EPLI) – Covers businesses against lawsuits related to wrongful termination, discrimination, or workplace harassment claims.
Why Choose First USA Insurance for Your Business?
At First USA Insurance, we understand that every business has unique risks. We provide:
✅ Customized coverage plans – Tailored policies based on your industry and risk factors.
✅ Competitive rates – Affordable premiums with top-rated insurance providers.
✅ Expert guidance – Our experienced agents help you select the best policies for your business needs.
✅ Fast claims processing – We work quickly to ensure minimal business disruption.
Protect your business from financial risks and unexpected events. Contact us today for a free consultation and get the right insurance coverage for your company!
