Commercial Insurance

Small business owners have unique insurance needs. To protect your business and livelihood, it's important to have commercial insurance. If you live in Colorado, you should consider Hometown Insurance.

General Liability Insurance

General Liability Insurance provides liability protection for your business. This typically includes coverage if someone is injured on your commercial property. It covers the customer's property while on-premises as well.

A general liability policy protects from reputation harm, including libel and false advertising claims.

Commercial Property Insurance

Commercial property insurance is essential if your business has a physical location, whether owned or rented. It applies to storefronts, warehouses, and manufacturing facilities.

It covers damage to your building and inventory from fire, theft, and vandalism. If your building has a fire, for example, the policy will cover the damage to the building and your inventory or property.

Business Owners Policy (BOP)

A BOP policy offers extra protection. It essentially combines general liability with commercial property insurance.

Workers Compensation Insurance

If you have employees, you are required to have worker's compensation coverage. If an employee is injured on the job, this coverage will cover their medical expenses. It also covers lost income and any damages awarded during a settlement or judgment.

Commercial Auto Policy

If you or an employee use a vehicle as part of business operations, you need a commercial auto policy. This policy covers company-owned vehicles, as well as personal vehicles used for business activities.

Professional Liability Coverage

Some professions, like doctors, are required to carry professional liability coverage, and many other businesses can benefit from the protection.

This coverage protects you from claims stemming from errors or omissions. For example, an accountant would be covered if they make a clerical error that costs their client money.