Cover Your Business Against Uncertainties with Commercial Insurance

Owning and running a business is not an easy task. As a business owner, you need to consider several different variables while evaluating your overall risk exposure.

At Bema Insurance, we put your business above all else. Driven by a service-oriented approach, we strive to get you the best policies at affordable rates, customized to suit your unique needs.

Our carriers offer the following types of commercial insurance:

This policy will protect each asset that you use in your business operation and pay for expenses related to their repair or replacement and may include:

  • Business property
  • Buildings
  • Equipment
  • Tools
  • Inventory
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Commercial liability insurance helps business owners pay for expenses related to accidents, injuries, and other risks that they are exposed to everyday including:

  • Third-party property damage
  • Bodily injury sustained on your premises
  • Legal/Settlement costs
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Commercial auto insurance helps cover the cost of an auto accident involving company-owned or hired vehicles and may cover:

  • Property damage
  • Medical expenses
  • Third-party bodily injury or property damage
  • Replacement/repair costs
  • Employee medical expenses
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Workers’ compensation insurance, also known as workman’s comp, provides benefits to your employees if they get injured or are ill from their work-related duties. By covering the medical expenses of the injured/ill employee, this policy also protects your company against lawsuits. Having an appropriate workers’ compensation plan is also key to attracting and retaining the best talents in the industry.

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Commercial umbrella insurance, also known as Excess Liability insurance, enables a business owner to pay for costs that exceed their basic policy limits. It adds an extra layer of protection to any of the liability policies that you already have in place.

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Error and Omissions insurance / E&O insurance protects you in the event of claims of negligence, omissions, misrepresentation, or mistakes brought against your business. It will cover your attorney fees and other legal expenses, administrative costs as well as pay for settlement and judgments made against you in court.

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As a critical component of any risk management strategy, commercial bonds protect the business owner by minimizing their risk exposures and ensuring the performance of obligations as stated in the signed agreement. In case you fail to keep up with the agreement, our commercial bonds will reimburse your client, protecting your business from client-related lawsuits.

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We Are All About You!

We know how much you value your business and are committed to keeping it safe at all times. Our team of experienced professionals with best-in-class qualifications can expertly analyze warranties and exclusions to ensure complete protection for your valuable business assets.

We can competitively place EVERY coverage for EVERY business type

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