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Commercial Insurance


As a business owner, you have many things to think about. Whether or not your business is adequately protected should not have to be one of them. Neighbors Insurance can provide the coverage you need to protect your assets, so you can focus on what is most important - growing your business. Our Businessowners Policy combines all the broad coverage required by most business owners with specific coverage designed to meet special needs - all in one policy!

Commercial Insurance Policy Types

Business Owners

A business owner policy (BOP) combines protection for all major property and liability risks in one insurance package. This type of policy assembles the basic coverages required by a business owner in one bundle. However, it is usually sold at a premium that is less than the total cost of the individual coverages.

General liability

Commercial general liability (CGL) is a type of insurance policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’ operations, products, or injury that occurs on the business’ premises. Commercial general liability is considered comprehensive business insurance, though it does not cover all risks a business may face.

Workers Compensation

Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

Commercial Auto

Commercial auto insurance is a vehicle insurance policy which covers any injuries and damages that are caused by or to you or your employees, while in the scope of business, to covered vehicles, up to your policy limits.

Commercial Property

Commercial property insurance protects your building and its contents, as well as exterior fixtures, such as a fence or outdoor sign. Commercial property insurance protects your company’s physical assets from fire, explosions, burst pipes, storms, theft and vandalism.

Inland Marine

Inland marine insurance covers products, materials and equipment when transported over land—e.g., via truck or train—or while temporarily warehoused by a third party. Collisions and cargo theft are the two most frequent causes of inland marine losses.

Commercial Umbrella

Commercial umbrella insurance provides an extra layer of liability protection by covering costs that go beyond your other liability coverage limits. In other words, commercial umbrella insurance complements your other liability coverages by taking over when your other liability coverage limits have been reached.

Surety Bonds

A surety bond is defined as a three-party agreement that legally binds together a principal who needs the bond, an obligee who requires the bond and a surety company that sells the bond. The bond guarantees the principal will act in accordance with certain laws.

Group Health

Group Insurance health plans provide coverage to a group of members, usually comprised of company employees or members of an organization. Group health members usually receive insurance at a reduced cost because the insurer's risk is spread across a group of policyholders.

Professional Liability

Commonly referred to as Errors & Omissions Insurance, professional liability insurance provides coverage in the event that a client sues your business for professional services rendered that caused them bodily harm or property damage.

Equipment Breakdown

Equipment breakdown coverage may help pay for the costs of repairing or replacing damaged or broken-down equipment after a covered incident. Equipment breakdown insurance may help cover equipment that's necessary to keep your business running, such as boilers and machinery, or even office air conditioning, computers and security systems.

Cyber Liability

Cyber-insurance is an insurance product used to protect businesses and individual users from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities. It can help protect your business from damages related to electronic data, computer systems, data breaches and even computer attacks.

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