Business Insurance
The coverages a business actually buys, and the decisions inside each one that determine what a claim pays.
A commercial program is a set of separate contracts, not one policy.
General liability answers for harm to other people. Property answers for your own building and contents. Workers compensation answers for your employees. Each has its own trigger, its own limit and its own set of exclusions, and the gaps between them are where uninsured losses live.
These pages explain the contracts themselves. If you would rather start from what your business does than from what a policy is called, the industry pages approach the same programs from that direction.
Commercial Coverage
What we place for businesses
Grouped by the job each contract does. Start anywhere, or call and we will work out which of these you actually need.
18 in total.
Core Coverage
- 01 General Liability Insurance Third-party bodily injury, property damage and advertising injury
- 02 Business Owners Policy Property and liability packaged for a small or mid-size operation
- 03 Commercial Property Insurance Buildings, contents and equipment, and the perils the form excludes
- 04 Workers Compensation Insurance Medical, wage and disability benefits for a work-related injury
- 05 Business Auto & Fleet Insurance One vehicle or a whole fleet on one policy
- 06 Business Interruption Insurance The income and fixed costs that continue after a covered shutdown
Liability & Management
- 07 Professional Liability & E&O Claims that the work itself fell short, which general liability excludes
- 08 Cyber Liability Insurance Breach response, extortion and the third-party claims that follow
- 09 Employment Practices Liability Wrongful termination, harassment and discrimination claims
- 10 D&O & Management Liability Decisions made by directors, officers and plan fiduciaries
- 11 Commercial Umbrella Insurance Excess limit across general liability, auto and employers liability
- 12 Crime Insurance Employee theft, forgery, funds transfer fraud and computer fraud
Property, Project & Specialty
- 13 Builders Risk Insurance The structure, the materials and the project from ground-break to completion
- 14 Inland & Ocean Marine Insurance Property in transit, on a job site or anywhere but a fixed address
- 15 Surety & Commercial Bonds Bid, performance, licence, court and probate bonds
- 16 Liquor Liability Insurance Dram-shop exposure for any business that serves or sells alcohol
- 17 Environmental Insurance Pollution liability, which general liability is written to exclude
- 18 Risk Management Reducing the loss before it happens, not only insuring it
Let's put the right policy in place.
Oxford Risk LLC is an independent agency. We represent you rather than a single carrier, which means we can place your coverage with the company whose appetite actually fits your risk. Tell us what you need to protect and an advisor will take it from there.
- Call (330) 315-3081
- Hours Monday - Friday: 8:00 AM - 4:00 PM
- Offices Fairlawn, OH, Cranberry Township, PA, Columbus, OH, Livonia, MI