Auto, Property & Liability Insurance

Commercial Auto

Peace of Mind for Businesses on the Road

As a business owner, you need the same kind of insurance coverages for a car used in your business as you do for a car used for personal travel — liability, collision, comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.

Many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

The need to buy a business auto insurance policy will depend on the kind of driving you do. That includes how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your Norris insurance agent to explain all the differences and options.

Commercial Property

Protection for Your Business Itself

Every day you work hard to ensure that your business stays up and running, but accidents do happen, and those accidents could put your business out of commission.That’s why, it’s important to make sure your commercial property is protected with the right policy.

With a custom Property Insurance policy from Norris Insurance, you can ensure that the building and personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom, covering items such as:

• Your building
• All interior items (desks, furniture, etc.)
• Any outdoor signs on your property
• On-site equipment
• Your inventory

Other items typically found on a Property Insurance policy can include Builder’s Risk insurance, which protects any materials or equipment from damage or loss sustained during construction or remodeling. In addition to Equipment Breakdown coverage, which keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

Additional Business Protection

In some cases, your business can benefit from combining Property with Liability. To find out more about combining coverages, contact Norris Insurance today.

General Liability

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection

• Bodily Injury, including cost of care, loss of services, and restitution for any death that results from injury.
• Property Damage coverage for damage to property of others or loss of use of that property.
• Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury resulted from something your company made or a service your company provided.
• Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents.
• Contractual Liability extends to any liability you may assume by entering into a variety of contracts.

Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types.