Commercial Insurance & MFI

Moore Farms & Insurance offers a wide range of commercial insurance products to protect your business. Continue reading to explore the more common insurance products that businesses often encounter.

​General Liability Insurance: General liability insurance is a fundamental coverage for businesses. It provides protection against claims related to bodily injury, property damage, and personal injury arising from your business operations or products. This type of insurance helps safeguard your business from financial losses due to lawsuits, legal expenses, and potential settlements or judgments.

Property Insurance: Property insurance is designed to protect the physical assets of your business, including buildings, equipment, inventory, and other property. It provides coverage against a range of perils, such as fire, theft, vandalism, and certain natural disasters. With property insurance, you can mitigate the financial impact of damage or loss to your business's physical assets.

Workers' Compensation Insurance: Workers' compensation insurance is typically mandated by law, and its primary purpose is to provide coverage for medical expenses, lost wages, and rehabilitation costs if an employee gets injured or becomes ill while on the job. This insurance helps protect both the employee and the employer, as it offers compensation to injured workers while limiting the employer's liability for workplace accidents.

Commercial Auto Insurance: If your business utilizes vehicles for company operations, commercial auto insurance is crucial. It covers damages and liability associated with accidents involving company-owned vehicles. Whether you have a fleet of delivery trucks or just a single vehicle, this insurance helps protect your business from financial losses due to accidents, property damage, or bodily injury claims.

Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, professional liability insurance is particularly essential for businesses that provide professional services or advice. It protects against claims of negligence, errors, or omissions that result in financial losses for clients. Professionals such as doctors, lawyers, consultants, and architects often require professional liability insurance to protect their businesses from potential lawsuits.

Cyber Liability Insurance: With the increasing reliance on technology and the rise in cyber threats, cyber liability insurance has become more important than ever. It provides coverage for losses resulting from data breaches, cyberattacks, or other cyber incidents that may compromise sensitive customer information. This insurance helps businesses cover expenses related to data recovery, legal fees, customer notification, and potential lawsuits, offering financial protection in the event of a cyber incident.

Business Interruption Insurance: Business interruption insurance helps protect businesses from financial losses caused by unexpected events that disrupt operations. It typically covers lost income and ongoing expenses during the interruption period. Events such as natural disasters, fires, or other incidents that force a business to temporarily cease operations can have a significant impact on revenue. Business interruption insurance helps bridge the financial gap during the downtime, allowing the business to recover and resume normal operations more swiftly.

Employment Practices Liability Insurance (EPLI): EPLI covers claims related to employment practices, such as wrongful termination, discrimination, harassment, or violations of employment laws. It helps protect businesses from legal expenses and potential settlements or judgments arising from such claims. With the increasing awareness and enforcement of employment laws, having EPLI coverage can help mitigate the financial risks associated with employment-related lawsuits.

​It is important to note that the specific insurance needs of a business may vary depending on its industry, size, location, and other factors. To ensure comprehensive coverage, it is advisable for business owners to consult with insurance professionals who can assess their specific needs and recommend the most appropriate insurance policies. Moore Farms & Insurance is here to help guide you through the commercial insurance world. Give us a call today or click here for a no obligation quote!