Business & Commercial Insurance
Protection That Works as Hard as You Do
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About Business & Commercial Insurance
At United Coverage, we understand the unique risks and responsibilities that come with running a business. Whether you operate a local storefront or a growing multi-state operation, our commercial insurance solutions are tailored to help protect your physical assets, finances, people, and reputation.
We Provide Coverage For:
Commercial Property Insurance
Covers buildings, inventory, equipment, and more from risks like fire, vandalism, and natural disasters.
General Liability Insurance
Protects against third-party claims involving bodily injury, property damage, or legal defense.
Commercial Auto Insurance
Comprehensive coverage for company-owned vehicles and fleets.
Workers’ Compensation Insurance
Covers medical expenses and lost wages for work-related employee injuries.
Professional Liability (E&O) Insurance
Shields professionals from claims of negligence or service-related errors.
Cyber Liability Insurance
Protects your business from cyberattacks, data breaches, and technology-related liabilities.
Directors & Officers (D&O) Insurance
Safeguards company leadership from personal liability in management-related lawsuits.
Employment Practices Liability Insurance (EPLI)
Covers claims related to wrongful termination, harassment, and discrimination.
Business Owner’s Policy (BOP)
A packaged policy that combines property and general liability into one cost-effective solution.
Commercial Umbrella Insurance
Provides extra liability coverage beyond standard policy limits.
Product Liability Insurance
Protects businesses that manufacture or sell products from claims of injury or damage.
Builder’s Risk Insurance
Short-term coverage for buildings under construction, including tools and materials.
WATCH YOUR SAVINGS ADD UP.
At United Coverage, we help businesses reduce costs by customizing coverage — not over-insuring. You can save by:
Bundling policies like General Liability, Property, and Commercial Auto into a Business Owner’s Policy (BOP)
Implementing risk management practices (e.g., safety training, security systems)
Maintaining a clean claims history
Raising deductibles strategically where appropriate
Qualifying for industry-specific discounts or group programs
How Coverage Is Calculated & Purchased
Understanding how your business insurance policy is built helps you make smarter, more cost-effective decisions. Here’s what goes into it:
