Business
 
Commercial Property:



 Commercial property insurance provides protection to businesses against damage to buildings (eg fire, vandalism). It is a must for your business. It is important to protect your property, equipment, and supplies from potential hazards and loss. In addition to your property, It will protect your inventory or assets, against loss or damage caused by theft, an accident or some other means.

Commercial property insurance protects you even if the property is away from your place of business when it is damaged or lost. The policy covers your costs to replace or repair the property and, in some instances, compensates you for items that cannot be replaced.
Worker's Compensation: As required by law, Concepts NREC carries appropriate worker's compensation insurance for job-related injuries or accidents. These laws were enacted so that the employee would not have to go through a long and arduous lawsuit and possibly not recover due to the employer's advantageous financial standing. Payments are specifically exempt from taxation.

Worker's Compensation coverage is fully company-paid. "Workers Comp" Insurance that pays benefits on behalf of an insured employer to employees or their families in the case of injury, disability, or death resulting from occupational hazards.
Commercial general Liability: Usually defined as a broad form of insurance coverage for an insured when negligent acts and/or omissions result in bodily injury and/or property damage on the premises of a business, when someone is injured as the result of using the product manufactured or distributed by a business, or when someone is injured in the general operation of a business. Also known as “comprehensive general liability insurance.
Commercial Excess Liability: Excess liability insurance, also known as Umbrella liability insurance provides additional protection when your business exceeds insurance limits on an underlying policy.

For a single premium, excess liability policies add another layer of protection to any of several other policies that you might hold, including general liability, employer's liability, and hired and non-owned auto liability policies. For instance, if you have $1 million in general liability coverage and a covered claim is settled for $1.5 million, your small business’s umbrella liability insurance policy would pick up the additional amount.

Excess liability insurance is generally the most affordable way to get higher policy limits on several other small business insurance policies. However, you should note that umbrella liability insurance does not extend the coverage limits on an errors and omissions or professional liability policy.
Business Automobile: Commercial auto insurance covers your business vehicles such as cars, vans or trucks