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Business Policies
Protecting Your Business, Securing Your Future
Welcome to Insurance Metropolitan, your trusted partner in comprehensive business insurance solutions. We understand the unique challenges and risks businesses face, and we are committed to providing tailored insurance policies to protect your assets, employees, and operations.
Explore our range of business insurance options and find the coverage that fits your needs.
Top Business Policies
General Liability Insurance
General Liability Insurance is essential for protecting your business from financial loss due to third-party claims of injury, property damage, or advertising injury. This policy covers legal fees, settlements, and medical costs arising from these claims.
Key Features:
- Coverage for bodily injury and property damage
- Legal defense costs
- Medical expenses for injured parties
- Protection against advertising and personal injury claims Benefits
Benefits:
- Safeguard your business against unexpected lawsuits
- Maintain financial stability during legal disputes
- Enhance credibility with clients and partners
Builder's Risk Insurance
Builder’s Risk Insurance provides coverage for buildings and structures under construction. This policy protects against damage from risks such as fire, vandalism, and weather events.
Key Features:
- Coverage for construction materials and temporary structures
- Protection against theft and vandalism
- Coverage for equipment and tools on-site
- Option to extend coverage to soft costs
Benefits:
- Ensure project continuity in case of unexpected damage
- Protect your investment in construction projects
- Peace of mind for contractors and property owners
Commercial Auto Insurance
Commercial Auto Insurance covers vehicles used for business purposes, protecting against physical damage, liability, and medical expenses resulting from accidents.
Key Features:
- Liability coverage for bodily injury and property damage
- Collision and comprehensive coverage
- Medical payments and personal injury protection
- Coverage for vehicles, trailers, and other commercial transport
Benefits:
- Financial protection for business vehicles
- Minimize downtime with fast claims processing
- Compliance with state and federal regulations
Commercial Property Insurance
Commercial Property Insurance safeguards your business property from losses due to fire, theft, vandalism, and natural disasters. This policy covers buildings, equipment, inventory, and more.
Key Features:
- Coverage for buildings and structures
- Protection for business personal property and equipment
- Loss of income coverage due to business interruption
- Optional coverage for natural disasters
Benefits:
- Protect physical assets and investments
- Ensure business continuity after a loss
- Financial support for repair and replacement costs
Worker’s Compensation Insurance
Worker’s Compensation Insurance provides benefits to employees who suffer work-related injuries or illnesses. This policy covers medical expenses, lost wages, and rehabilitation costs.
Key Features:
- Coverage for medical treatment and rehabilitation
- Wage replacement benefits for injured employees
- Employer liability coverage
- Death benefits for dependents
Benefits:
- Compliance with legal requirements
- Protection for your employees' well-being
- Reduced financial risk for your business
Tools and Equipment Insurance
Tools and Equipment Insurance covers the loss or damage of tools and equipment used in your business operations. This policy is crucial for contractors, craftsmen, and other professionals who rely on specialized tools.
Key Features:
- Coverage for owned, leased, or rented tools
- Protection against theft, damage, and loss
- Option to cover tools in transit
- Replacement cost coverage
Benefits:
- Protect essential tools and equipment
- Minimize disruption to business operations
- Quick and efficient claims processing
How to start your coverage?
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