Commercial Insurance
As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers' compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers' compensation insurance covers injuries to employees.
Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program
that's right for you.
DSD Insurance provides the following types of business insurance
protection:
Auto - Commercial
A commercial automobile insurance policy is required
under most circumstances when the vehicle is used for business
purposes and meets certain other requirements. It is not
just the registration that determines the requirement for
a business automobile insurance policy. Other requirements
are ownership by a corporation, use in hauling goods for
hire, and gross vehicle weight of the vehicle. Some small
trucks can be owned and insured under a personal automobile
insurance policy under specific circumstances.
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.
Commercial
Auto Insurance Quote
BOP (Business Owners Package)
 Business Owners Package policy, commonly called a "BOP" contains
many of the insurance coverages needed by most small businesses.
While these policies are not standard, there is great variation
from insurance company to insurance company; there are
certain common elements. The basic BOP offers business
property for both building and contents, and liability
insurance protection for the operation of your business.
This liability protection will generally include both the
operation of your business, at its established location,
and the liability from your products or completed operations.
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.
Commercial Property
Commercial Property protects your business against the
loss or loss of use of company property. "Property"
can include a variety of types: lost income or business
interruption, buildings, computers, money, and valuable
papers.
Commercial Property Insurance Quote
Commercial Umbrella
Most package policies provide a liability insurance limit
of $1 million for any one loss and $2 million in any one
year. For many businesses, this limit is inadequate for
real economic security. As a result, additional layers
of protection in million-dollar increments are readily
available in today's insurance market for most businesses.
General Liability
 Normally, it is difficult for businesses or general contractors
to work without general insurance. General liability insurance
is intended to guard operators and owners of companies
from claims that may come from a broad spectrum of sources.
These exposures could be just about anything, including
liability engendered by accidents from the operations of
the insured party, contractual liability, products manufactured
by the insured party, etc.
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.
General Liability Insurance Quote
Surety Bonds
We work with many of the country's top-rated surety companies
to secure:
- Contract Payment and Performance Bonds
- Fidelity Bonds on Employees
- Code Compliance Bonds
- Judicial and Court Bonds, including estate guardianship
and repletion bonds
- Professional Service Bonds
Wholesalers & Distributors
DSD Insurance offers a broad range of coverages
that are cost-effective and perfectly tailored for your
business requirements if wholesaling or distributing. Get
coverage specifically designed for today's wholesalers
and distributors.
Our programs for wholesalers and distributors include
detailed risk assessment and loss control expertise that
can help reduce insurance costs for everyone from the small
supplier to the large distributor.
Workers' Compensation
 Workers' compensation insurance protects employers from
claims resulting from injuries to employees. It protects
your business from lawsuits and provides employees with
compensation for on-the-job injuries.
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,
this coverage is the largest part of its insurance expense.
Workers'
Compensation Insurance Quote
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