Business Insurance

WHAT: NBP Insurance has a wide range of coverages available, as well as an array of choices for limits and deductibles (See important note). If you are a small business owner, there's a good chance that our Customized policy can provide the coverages you need. For larger businesses, our Business Package Policy may be more appropriate. In either case, you can pick and choose the coverages to help meet your individual insurance needs.

Here are just some of the commercial coverages available:

Commercial Automobile Insurance, including
- Liability Coverage: in case you're used as a result of an auto accident;
- Collision Coverage: helps cover physical damage to your vehicle due to collision or upset;
- Comprehensive Coverage: helps cover physical damage to your vehicle due to fire, theft and glass breakage;
- Rental Reimbursement Coverage: helps cover the cost of a replacement vehicle for a specified period of time when your vehicle is disabled due to an insured loss.
General Liability Coverage, including
- Bodily Injury Liability Coverage: helps protect you for injuries to other people resulting from your operations.
- Property Damage Liability Coverage: for damage claims to property of others.
- Personal Injury Liability Coverage: helps provide you with protection for such offenses as false arrest, libel, slander, and wrongful entry.
- Advertising Injury Liability Coverage: helps cover your legal liability for a variety of offenses arising out of the advertising of your business's goods and services.
Business Property Protection
Helps protect your building and contents in case of direct physical loss.

Special coverages you can add:

Cargo Coverage: helps protect the cargo you're carrying while in transit or in storage.
Tool and Equipment Coverage: helps protect your tools and equipment used in your business while on your vehicle or at the job site.
Business Interruption Coverage: helps protect against loss of income (for up to 12 consecutive months) resulting from a covered loss.
Crime Insurance: helps protect against loss from burglary, robbery and even employee dishonesty.
Umbrella Excess Liability Insurance: provides greater liability limits, over primary liability insurance.

Important Note: The above coverages and protection are subject to availability and qualifications. Other terms, conditions, and exclusions apply. This is a brief description of our business insurance coverages; this is not an insurance contract. To help you figure out which coverages, limits and deductibles are right for you and whether a particular business insurance product is available in your state, please contact your local NBP Insurance agent.

WHEN: Whether you're an owner or a manager...have a small or large business...employ 5, 50, even 500 or more people, talking to an NBP Insurance agent about the business insurance coverages and services you need is a smart move.

WHERE: NBP Insurance is available throughout most of the U.S.

HOW: knowledgeable NBP Insurance agents are available to help you design an insurance package for your business. At your request, we can:

help you review your current coverages,
help you identify gaps in your business coverage where you might be at risk,
explain NBP Insurance's insurance products and services,
answer questions about your business insurance coverages, and
work with you to help you make your business safe and secure or, if disaster does strike, help you through the claims process.

WHY: NBP Insurance has the resources to help you protect your business