We Offer A Wide Range of Coverages
Businesses face risk every day, from every direction. At BHS, we offer a comprehensive range of coverages to protect your organization from potential threats.
Our business insurance specialists work for YOU and partner with the right insurance carrier to meet your specific needs. We'll find you the right combination of coverage within your budget and will dedicate ourselves to protecting your success.
What does business insurance protect?
Business insurance protects a company from potential financial losses and liabilities resulting from various risks and incidents related to its operations. It safeguards against risks such as property damage, theft, lawsuits, employee injuries, professional errors, and business interruptions. By providing coverage for these events, business insurance helps mitigate the financial impact and provides resources to recover and continue operations smoothly.
What doesn't business insurance protect?
While business insurance covers a wide range of risks, there are certain things it typically doesn't protect. For example, it may not cover intentional illegal activities, damage caused by wear and tear, or losses resulting from acts of war. Additionally, certain specialized risks may require specific insurance policies that are not included in standard business insurance packages. It's important to carefully review the terms and conditions of your insurance policy to understand what is and isn't covered.
What are the three major areas that can be covered by business insurance?
The three major areas that can be covered by business insurance are property and liability insurance, workers' compensation insurance, and business interruption insurance. Property and liability insurance protects against property damage, theft, and legal liabilities arising from accidents or injuries on business premises. Workers' compensation insurance provides benefits to employees who are injured or become ill while performing their job duties. Business interruption insurance covers the financial losses and expenses incurred when a business is temporarily unable to operate due to a covered event, such as a natural disaster.
What is workers comp?
Workers' compensation, often referred to as workers' comp, is a type of insurance that provides benefits to employees who are injured or become ill as a result of their job. It helps cover medical expenses, rehabilitation costs, and a portion of lost wages for the injured worker. Workers' compensation insurance also protects employers by limiting their liability for workplace injuries or illnesses, as it typically provides coverage regardless of who is at fault for the incident.