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In the event of a covered incident, insurance policies for your business can help protect your company’s assets and finances from unexpected, costly claims.

Every business is unique, that means each one's coverage needs are different. Take a look at some business insurance policy options and see which ones are right for you

• General liability
  Protect your company from claims like injury, client lawsuits and more.
• Commercial property
  Helps protect your business if company property is damaged.
• Business Owners Policy
  Property and liability coverage that’s combined into one convenient package through NEXT.

Need more protection? We’ve got you covered.

• Workers' compensation
  Financial protection for you and your employees by covering work-related injuries or illnesses.
• Business interruption
  Recovers lost income and additional expenses resulting from a covered claim.
• Employment practices liability
  Reduces legal costs if your business is sued by an employee or contractor for discrimination, retaliation or wrongful termination.
• Errors & omissions (E&O)
  Also known as professional liability, an E&O policy can help cover legal expenses and settlements for certain types of lawsuits and claims if accused of errors, omissions, negligence or faulty advice.
• Equipment breakdown
  Takes care of expenses to repair or replace damaged or malfunctioning equipment after a covered incident.
• Data compromise
  To help your business bounce back in the event of a cyberattack, certain related costs can be covered, including credit monitoring services and legal fees.
• Commercial auto
  Coverage designed to protect company vehicles and drivers.
• Home-based insurance
  Policies tailored to cover unexpected claims that may come with running a business out of your home.

Get a quote today for commercial solutions that fit your need today. 

Factors like your job industry or specific job duties will determine what you pay to take out a business insurance policy. Take general liability coverage: professionals who interact with the public, such as retailers, tend to pay more for this policy than those who work on their own, because there’s a higher level of risk involved with customer-facing industries.

In general, the cost of your business insurance depends on the specific type of policy you need. Additionally, it’s also subject to state availability, and qualifications may vary by state.

Many risks to your business's premises and property are typically covered under a business insurance policy, including:

• Theft
• Lightning
• Fire and smoke
• Car crash into your business
• Windstorm or hail
• Sprinkler leakage
• Vandalism
• Falling objects
• Explosion

When choosing business insurance policies, consider the type of business, the services you provide and the state where you operate.

General liability insurance is a good start as it covers bodily injury, property damage and legal expenses. If you use company vehicles, commercial auto coverage is necessary since personal auto insurance doesn't cover business vehicles.