There are several components that factor into the formulation of your commercial insurance premiums. Chief among those components is the location of your property/properties, the age and building construction type, how it’s being used and finally the loss history.

Equipment Breakdown Insurance is coverage for loss triggered by a sudden and accidental mechanical or electrical breakdown. It is an extra layer of protection, especially if your business is dependent upon properly functioning equipment owned and operated by a supplier, such as a local power company.

Directors and Officers (D&O) insurance is a must have in today’s world of lawsuits. This type of business insurance policy directly protects individuals on the board of a company against lawsuits filed against them by the company’s’ employees, customers, vendors or other entities.