Business Insurance

Protection for your peace of mind

  • Business Owner’s Policy
    A Business Owner’s Policy (BOP) combines protection for all major property and liability risks into one package. These policies allow small to mid-sized businesses operating in a low-risk category to get the consolidated coverage they need. A Business Owner’s Policy protects your business the same way your homeowner’s insurance policy protects your home and personal possessions. Our policies can save you money while keeping everything you worked hard for safe.

    • General Liability
      Liability coverage protects your business from damage caused through the products and services you offer, as well as damage caused by your employees. The amount of liability coverage will depend on what type of business you own and operate.
    • Property Liability
      Whether the damage is caused by a fire, theft or anything unexpected, this loss could cost you your business. Bene-Care provides coverage to protect you in the event of a loss to keep your business running.
  • Errors & Omissions
    Liability insurance that helps protect against professional advice and services provided. This policy will protect a business from taking on the full cost of defending against a negligence claim made by a client, and the damages awarded in a civil lawsuit.
  • Directors & Officers
    Liability insurance that provides financial protection for the directors and officers of your company in the event that they are sued in combination with the performance of their duties as they relate to the business.
  • Employer Practice Liability Insurance
    Liability insurance that provides protection for an employer against claims made by employees, former employees, or potential employees. This protection covers discrimination, wrongful termination, sexual harassment and other employment-related claims against your business.
  • Umbrella Coverage
    Coverage that goes beyond your basic liability policy. By extending your policy beyond the basic limitations the coverage picks up when your policy drops off to give you uninterrupted protection.
  • Workers’ Compensation

Workers’ Compensation Insurance covers employees who experience work-related injuries or illness. These policies cover medical care, lost wages, rehabilitation, disability and death benefits. Under this insurance the employer and their business are protected in case of a lawsuit.