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Commercial Insurance

Looking for insurance for your business? Goddard offers insurance policies covering your business property, automobile, workers compensation, general liability, and errors & omissions.

Commercial General Liability

Insurance General liability insurance covers injuries that you cause to third parties.

Worker's Compensation Insurance

Worker's compensation insurance provides wage replacement coverage for an employee who is injured on the job, as well as coverage for medical costs, economic losses, pain and suffering, and settlement payments for dependents in the case of accidental loss of life.

Plans and coverage can be tailored to suit each company's needs, but you must keep in mind that each state has minimum requirements that must be met to ensure there will be enough coverage in case of a claim.


Commercial Auto Insurance

Many businesses have company vehicles that are used to transport goods or people for business purposes throughout the course of the day. Similar to personal auto insurance, you'll want to purchase commercial vehicle insurance to cover damage to your vehicle and the other motorists' vehicles if you are involved in an accident.


Commercial Property Insurance

Similar to property insurance you purchase for your personal home or car, you need commercial property insurance to protect the financial interests of your company. This coverage protects both the physical property as well as any possessions owned by the company that are lost or damaged by theft, accident or other means (even if the property has been removed from the work place).


Commercial Umbrella Insurance

Umbrella liability insurance provides additional coverage when the limits of insurance on an underlying policy are exceeded.


Other Types of Commercial Insurance

Depending on the type of business you own, there are additional types of commercial insurance you might want to consider including:

  • Error and Omission Liability Insurance
  • Directors and Officers Liability Insurance (D&O)
  • Business Interruption Insurance
  • Crime Insurance