Providing you with insurance for your business.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy.
![Business Insurance 1 Business Insurance 1](https://drivepa.us/wp-content/uploads/2022/02/business-garage.jpg)
Automotive
If your business sells, services, stores, or parks automobiles, your General Liability Insurance coverage may not be enough to protect you from lawsuits. Car dealerships, body repair shops, and gas stations are specialty businesses with special insurance needs. By combining parts of a Commercial General Liability policy with parts of a Business Auto Policy, Garage Insurance guards against the unique risks associated with your automotive business including claims for injuries, mistakes, or property damage resulting from work you have done or unknowingly defective parts that you may have installed.
![Business Insurance 2 Business Insurance 2](https://drivepa.us/wp-content/uploads/2022/02/Brewery-Insurance-1-200x300-1.jpg)
Brewery
- Product Storage & Recall
- Equipment Breakdown
- Property Damage
- Liquor Liability
- Business Interruption Insurance
- Workers Comp
- Content/Stock Insurance
- Plus Much More
![Business Insurance 3 Business Insurance 3](https://drivepa.us/wp-content/uploads/2022/02/business-builders-risk.jpeg)
Contractor’s
- Property
- Builders risk insurance and course of construction
- Liability insurance
- General liability insurance
- Contractor insurance
- Commercial auto
- Umbrella
- Workers’ compensation
- Railroad protective
- Equipment insurance
- Contractor bond
![Business Insurance 4 Business Insurance 4](https://drivepa.us/wp-content/uploads/2022/02/business-hotel.jpg)
Hospitality
Running a hotel or motel in today’s competitive environment is a big challenge. Getting the proper hotel / motel insurance at a reasonable price can be frustrating and time consuming.
Hotel insurance provides business protection coverage for owners and managers of hotels. Hotel insurance covers motels, resorts, spas, ranches and more. Learn more about the coverages included in the hotel and motel insurance policy.
Hotel insurance includes a multitude of coverages specific to the needs of a hotel manager or owner.
![Business Insurance 5 Business Insurance 5](https://drivepa.us/wp-content/uploads/2022/02/iStock-1278662673-1024x675.jpg)
Landlord
Landlord or rental property insurance is a special class of property insurance that can be an odd blend of personal insurance coverages and commercial insurance. This type of coverage is more difficult to obtain and usually more expensive than homeowners insurance or coverage for an owner-occupied dwelling.
Finding the best coverage and competitive pricing will require a careful selection of the right insurance company, and we are here to help you in that process.
![Business Insurance 6 Business Insurance 6](https://drivepa.us/wp-content/uploads/2022/02/health.jpeg)
Medical Malpractice
Working in partnership with your practice, we will address affordability issues regarding medical malpractice insurance, while improving safety and quality.
![Business Insurance 7 Business Insurance 7](https://drivepa.us/wp-content/uploads/2022/02/business-restaurant.jpeg)
Restaurant & Bar
- Fine Dining
- Casual Dining
- Fine Dining
- Fast Food
- Ethnic Cuisine
- Delicatessen
- Coffee Shop
- Micro Brewery
![Business Insurance 8 Business Insurance 8](https://drivepa.us/wp-content/uploads/2022/02/business-wholesalers.jpeg)
Wholesalers
Our wholesalers and distributors insurance programs include detailed risk assessment and loss control expertise that can help reduce insurance costs for everyone from the small supplier to the large distributor.
![Business Insurance 9 Business Insurance 9](https://drivepa.us/wp-content/uploads/2022/02/business-auto.jpeg)
Commercial Auto
Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance.
![Business Insurance 10 Business Insurance 10](https://drivepa.us/wp-content/uploads/2022/02/business-earthquake.jpeg)
Commercial Earthquake
If you own office, industrial or apartment property in an earthquake-prone area of the country, consider purchasing commercial earthquake insurance coverage.
![Business Insurance 11 Business Insurance 11](https://drivepa.us/wp-content/uploads/2022/02/business-property.jpeg)
Commercial Property
Under the liability policy coverage, the building should be protected from damaging events such as fire, burglary, and vandalism. It may not be enough to cover just the building; the aftermath of such damage should be covered as well.
![Business Insurance 12 Business Insurance 12](https://drivepa.us/wp-content/uploads/2022/02/business-trucking.jpeg)
Commercial Trucking
![Business Insurance 13 Business Insurance 13](https://drivepa.us/wp-content/uploads/2022/02/iStock-1091423064-1024x683.jpg)
Commercial Umbrella
![Business Insurance 14 Business Insurance 14](https://drivepa.us/wp-content/uploads/2022/02/business-directors-officers-liability.jpeg)
Directors & Officers
Directors and Officers Insurance is often confused with Errors & Omissions Liability. The two are not synonymous; Errors & Omissions is concerned with performance failures and negligence concerning your products and services, not the performance and duties of management. Generally, it is a good idea to carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance.
![Business Insurance 15 Business Insurance 15](https://drivepa.us/wp-content/uploads/2022/02/business-epli.jpeg)
Employment Practices
- Discrimination
- Wrongful Discharge
- Sexual Harassment
- Hostile Working Environment
- Wrongful Termination
- Lack of Advancement
![Business Insurance 16 Business Insurance 16](https://drivepa.us/wp-content/uploads/2022/02/iStock-1135982609-1024x683.jpg)
Kidnap & Ransom
- Ransom and extortion payments as a result of a kidnapping or extortion threat.
- Loss of the ransom or extortion payment while being delivered.
- Expense coverage as a result of a ransom or extortion demand which includes fees and expenses of independent negotiators, and travel and accommodation expenses.
- Legal liability coverage protection in the event it is alleged the insured was negligent in a hostage retrieval.
- Political threat coverage for expenses when a person is wrongfully detained by anyone acting for a government or with the government’s approval.
![Business Insurance 17 Business Insurance 17](https://drivepa.us/wp-content/uploads/2022/02/iStock-1338753777-1024x683.jpg)
Business Owners
Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably, they do not cover any workers’ compensation, professional liability, or business vehicle coverage.
![Business Insurance 18 Business Insurance 18](https://drivepa.us/wp-content/uploads/2022/02/business-workers-compensation.jpeg)
Workers’ Compensation
By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, workers comp coverage is the largest part of its insurance expense.
![Business Insurance 3 Business Insurance 3](https://drivepa.us/wp-content/uploads/2022/02/business-builders-risk.jpeg)
Builders’ Risk
Builders’ risk insurance usually is in the name of the contractor or the property developer, but it could also be in the name of the property owner if he is responsible for insuring it while the property is under construction. Both commercial and residential construction sites might be covered under a builders’ risk insurance policy.
There are also additional built-in schemes for the specialized needs of a particular construction project, whether it’s commercial or residential. Often, insurance companies request a certain level of experience of the builder before they provide insurance coverage for their commercial sites. Usually, an experience level of 2-3 years in commercial construction is desired.
An additional option that can be attached with builders’ risk insurance coverage is movement of earth. If the construction is extremely large, then the cost of moving earth from the digging site could amount to a great deal.
A builders’ risk insurance policy is essential for people who have a financial interest in property construction, either commercial or residential. It doesn’t mean only new construction, but also any remodeling or renovation project.
If any damage to construction material occurs in transit or during storage, then this cost could also be covered under a builders risk insurance policy.
![Business Insurance 20 Business Insurance 20](https://drivepa.us/wp-content/uploads/2022/02/business-interruption.jpeg)
Business Interruption
From the time the loss occurs until your business is running again, insurance can replace your lost profits, and provide a source of money to pay your necessary continuing expenses, like rent, payroll, taxes, etc.
![Business Insurance 21 Business Insurance 21](https://drivepa.us/wp-content/uploads/2022/02/business-general-liability.jpeg)
General
The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses. Similar to auto insurance, when it comes to general liability insurance, you will first have to make a down payment and then follow it up with installments. Before buying general liability insurance, it is best to compare the quotes available in the market.
It is the business owner’s or general contractor’s job to make sure that the people working under him/her are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person’s lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.
![Business Insurance 2 Business Insurance 2](https://drivepa.us/wp-content/uploads/2022/02/Brewery-Insurance-1-200x300-1.jpg)
Liquor
- Bar
- Tavern
- Nightclub
- Fraternal Club
- Convenience Store
- Liquor Store
- Restaurant
![Business Insurance 23 Business Insurance 23](https://drivepa.us/wp-content/uploads/2022/02/business-product-liability.jpeg)
Product
Most business owners policies include limited product liability coverage. If, for some reason, you do not have this coverage through a business owner’s policy and your product runs the risk of inflicting harm on other people, you may need to buy product liability separately. Similarly, if your product presents a higher risk of injury (for example, it contains a hazardous material), you may need to purchase additional coverage.
![Business Insurance 24 Business Insurance 24](https://drivepa.us/wp-content/uploads/2022/02/iStock-1330547068-1024x683.jpg)
Professional
Professional liability insurance is separate from a General Liability (GL) insurance policy which would cover you mainly for bodily injury or property damage liability.
![Business Insurance 25 Business Insurance 25](https://drivepa.us/wp-content/uploads/2022/02/business-special-event.jpeg)
Special Event
- Corporate Events
- Company Meetings
- Auto Shows
- Concerts
- Sporting Events
- Proms
- Dances
- Dog Shows
- Parades
- Ethnic Celebrations
- Horse Shows
![Business Insurance 26 Business Insurance 26](https://drivepa.us/wp-content/uploads/2022/02/business-surety-bonds.jpg.jpg)
Surety Bonds
- Fidelity Bonds
- Public Official Bonds
- Judicial Bonds
- Fiduciary Bonds
- License and Permit Bonds
- Contract Bonds (Bid and Performance Bonds)
- Miscellaneous and Federal Bonds
- Notary Bonds
![Business Insurance 26 Business Insurance 26](https://drivepa.us/wp-content/uploads/2022/02/business-surety-bonds.jpg.jpg)
Technology
In today’s technology-driven world, companies face a number of dynamic exposures. Whether it is faulty software, inappropriate advice, misconfigured firewalls, or inadequate anti-virus software, hardware failure – companies are increasingly at risk. Claims are growing rapidly, leaving companies liable for expensive lawsuits.