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Business Insurance Basics

What is General Liability Insurance?

Insurance designed to protect business owners and operators from a wide variety of liability exposures. Exposures could include liability arising from accidents resulting from the insured’s premises or operations, products sold by the insured, operations completed by the insured, and contractual liability.

What we cover:

General Liability

  • Contractors
  • Adult Day Care
  • Alarm Installers
  • Amusement Rides
  • Apartments
  • Bar/Tavern
  • Building Demolition
  • Catering
  • Churches
  • Clubs &; Civic, Service or Social
  • Commercial Property Owners
  • Condominium and Homeowners’ Association
  • Convenience Stores
  • Counseling Centers
  • Day Care Facilities
  • Flea Markets
  • General Contractors
  • Halfway Houses
  • Home Health Care
  • Hunting Clubs
  • Lessor’s Risk
  • Liquor Liability
  • Manufacturers
  • Mercantile Classes
  • Mobile Home Parks
  • Motels/Hotels
  • Offices
  • Outfitters & Guides
  • Pawn Shops
  • Refuse, Garbage Collection
  • Rental Dwelling Program
  • Restaurants/Delis
  • Security and Patrol Agents
  • Shopping Centers
  • Special Events
  • Swim & Racquet Clubs
  • Truckers
  • Umbrella Coverage
  • Welders

Professional Liability

  • Community Associations
  • Corporate Directors & Officers
  • Employment Practices
  • Insurance Agents Errors & Omissions (Not available in CA)
  • Medical Providers Protection
  • Non Profit Directors & Officers
  • Property Managers
  • Public Officials
  • Real Estate Agents Errors & Omissions (Not available in CA, TN or TX)
  • Real Estate Office Package (Not available in CA, TN or TX)
  • Recruiters Package
  • Specified Errors & Omissions
  • Specified Professions Package
  • Technology Errors & Omissions

Products Liability

  • Appliance Manufacturers
  • Auto Parts Manufacturers
  • Boat or Ship Building
  • Chemical Manufacturing
  • Clothing Manufacturing
  • Conveyor & Material Handling Systems Manufacturers – Installation, Service, and Repair
  • Demolition Contractors
  • Drug Distribution and Manufacturing
  • Elevator – Installation, Service, and Repair
  • Fertilizer Manufacturing
  • Go-Kart\Race Tracks
  • Imported Products
  • Machine Shops
  • Machinery or Equipment Manufacturers – Installation, Service, and Repair
  • Medical, Dental, Hospital or Surgical Supplies Manufacturing
  • Metal Erection
  • Paintball Fields
  • Plastic or Rubber Goods Manufacturers
  • Rifle, Pistol and Archery Ranges
  • Skateboard Parks
  • Sporting Goods or Athletic Equipment Manufacturing
  • Toys or Games Manufacturers
  • Trailer Manufacturers
  • Welding or Cutting Operations

This is just an example of some things that we can insure we offer more classes of insurance than this fill out our online form to get a custom quote today!

What does Workers Compensation Insurance cover?

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. The tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system is known as “the compensation bargain”.

What is a Surety Bond?

A bond given to protect the recipient against loss in case the terms of a contract are not filled; a surety company assumes liability for nonperformance.

Commercial Auto Insurance

If your business owns commercial vehicles that need insurance we can help. Almost any type of vehicle can be insured by Upstate’s Choice Insurance including semi trucks, tow truck, food trucks, and etc. For a quote on commercial auto we ask for you to give us a call to discuss a quote.