All Business Insurance Products

General liability insurance protects you from most claims that happen during everyday activities. Everything that comes along with running a business and working at a job site is covered under general liability.

Personal auto insurance does not cover vehicles used for commercial and business purposes, which is why business auto insurance is its own policy.

Contractors are required to provide this employee coverage. It’s also recommended that contractors insist that subcontractors also supply workers’ compensation insurance.

The term “inland marine” can be confusing and makes it difficult to determine if this is a coverage your business needs, unlike “marine insurance,” which covers products that are transported over water.

The contractor industry is one of the top business sectors that should have Umbrella Coverage. You might think that you don’t need umbrella insurance because you already have an effective Business Owners Policy.

Our team of experienced professionals at Chapman Insurance Group would love to help you navigate the journey to acquiring contractors insurance. Give us a call today for a free quote.

Professional liability insurance (PLI) protects professionals like accountants, lawyers, and doctors against claims made by clients. This type of insurance is required for such professionals because it is not covered within general liability insurance.

Most contractors in the business are at risk for environmental pollution exposure. Let Chapman Insurance Group protect you from any and all exposures with pollution liability insurance.

It’s a priority for Chapman Insurance Group to protect our customers and their businesses in every way possible, which is why we offer cyber insurance to safeguard against technology-related risks.

Lawsuits have become increasingly common for vulnerable businesses without proper insurance. In order to avoid claims of harassment, wrongful termination, breach of contract, or other work-related issues, it’s important to shield your business from potential liabilities.

One way you can adequately protect your restaurant is through building coverage, or commercial property insurance. Whether the issue is big or small, having commercial property insurance is integral to keeping your restaurant safe.

As a business that sells, serves, or manufactures liquor/alcoholic beverages, you need liquor liability insurance in order to protect your assets from a lawsuit or claim. This type of coverage is not included in general liability, which is why it’s necessary to purchase separately to protect your business from unexpected situations.

No two restaurants are the same – and that can be said for the type of establishment being run and the amount of money that it brings in. A restaurant owner’s business income policy is tied to the profit that their restaurant brings in, and in order to keep their head above water, having good coverage for the restaurant is always a good idea.

Spoilage or contamination insures restaurant owners from messy situations. In the event, your restaurant equipment does not function, and the food is inedible due to being spoiled or contaminated then this specific insurance coverage protects your business from paying out-of-pocket and avoid lawsuits.

This type of coverage protects board members and officers against legal expenses in the case that they are sued for a decision they made that resulted in the company losing money.

Abuse and molestation coverage is often overlooked and purchased at the bare minimum since organizations believe this may never happen. However, for social service organizations, especially ones that serve young children or vulnerable individuals, this coverage protects everyone under it.

Crime insurance coverage is not typically offered within general commercial property insurance. This type of coverage protects against the loss of money, securities, or other assets that result from the act of employee theft, some types of fraud completed by a third party (ex: fraud), property stolen from the premises, and social engineering (AKA impersonation fraud).

An organization that provides services for youths, senior citizens, or disabled individuals should consider this type of coverage. This type of coverage protects a business from allegations of sexual abuse or misconduct from individuals associated with the business.

Key man life insurance lends support to businesses who lost a key employee from death or disabilities preventing them from working. This policy helps assure that business proceeds normally without the stress.