Commercial / Business Liability

General Liability Insurance

Broad insurance coverage for your business and activities.

Protecting your businesses

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Badger Insurance Advisors recommends that all businesses have general liability coverage in place.

Professional Liability Insurance (Errors & Omissions)

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers, and technology companies. It is recommended that all professional and technology companies have E&O coverage.

Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, consider this type of coverage.

Directors and Officers Insurance (D&O)

D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

Commercial Umbrella Insurance

Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other insurance policies. In some cases, it even broadens your protection. The rising costs of lawsuits and judgments are important for today’s business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business are too important for it to disappear after one unforeseen event. Badger Insurance Advisors recommends that your business insurance program includes this coverage.

Business Auto Insurance

Commercial Auto Insurance

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car.

Hired/Non-owned Auto Liability

Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Quite often, this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Use of Personal Vehicles

Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even when it’s a business such as selling cosmetics, jewelry, or pizza delivery.

Let’s face it…business insurance needs can be complex and complicated!  If we haven’t covered your need on this website, chances are we’re focused on helping decision makers and entrepreneurs mitigate their business risks rather than creating website content.  : )

Contact us today, let us come up with a solution for your needs!