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Insurance is the language of the Practical Life

Business Insurance


Business Insurance protects businesses against potentially devastating financial losses caused by accidents, lawsuits, natural disasters and other unexpected events. This allows businesses to operate when it might otherwise be too risky to do so.

Business Insurance isn’t just for large corporations. Even a small, home-based business might need one or more commercial lines because homeowners insurance provides limited or no insurance for business activities.  Whether you own a small business or a large company, HR Insurance Services can help you determine the best insurance coverages for your specific needs, so that you can turn your focus back to your business.  Some common types of business insurance are:


Builders Risk- protects against damage to or destruction of buildings or other structures during their construction and possibly for a specified time after construction has been completed.


Business Owners Policy- protects against a variety of property and liability risks that face business owners.


Cargo- protects against loss or damage of goods while they are being transported by land, sea or air.


Commercial Auto- protects against liability, no-fault medial payments, uninsured motorist, collision and comprehensive damage.


Commercial Property- protects the insured's building, business personal property and the personal property of others.


Cyber- protects against the cost of theft, destruction, or unauthorized use of electronic data through network intrusion.


Employment Practices- protects against the financial costs of lawsuits brought by employees, former employees or potential employees.


Errors & Omissions- protects against claims by customers that a company made mistakes or failed to perform contractually. 


General Liability-protects against accidents and injuries that occur on company property or the property of a customer.


Intellectual Property- protects against the cost of claims/lawsuits arising from copyright, trademark or patent-infringement and loss of intellectual property.


Product Liability- protects against the cost of judgments, settlements and legal fees arising from damages or alleged damages caused by a defective product.


Commercial Umbrella- protects against any liabilities and losses after the primary insurance benefits have been exceeded.