Business Insurance

Insuring Your Business Against Common Liabilities

A Business Owners Policy (BOP)1 is an amalgamation of insurance coverage into a single package. It typically covers commercial property, general liability, business income, and equipment breakdown, but can offer additional protection depending on the provider.

BOP Insurance is Ideal for Business Owners Who:

  • Operates business at a location other than their home
  • Have fewer than 100 employees
  • Produce less than $5 million in sales
  • Own property or equipment
  • Want to protect investments in their business

Through VensureHR’s workers’ compensation claim services, our team acts as a liaison between the injured employee, your company, the workers’ compensation carrier, and the medical care provider. This process ensures strong communication while reducing the potential for litigation.

Our goal is to assist the injured employee in making a full and timely recovery so they can get back to work through careful monitoring and processing of the claim. VensureHR is an advocate of introducing employees back into the workforce at a speed and level at which they are medically able to do so. Additionally, this approach improves your loss history, ultimately resulting in lower premium costs.

Defending Your Business from Common Liabilities

There are three common liability insurance options for businesses: general liability, errors and omissions, and industry-specific coverage. Explore the breakdown of the three and see which option might best suit your needs. 

General liability insurance can help cover expenses you are legally responsible for, including:

  • Lawsuits, investigations, and settlements
  • Medical damages, attorney fees, and injury damages
  • Abuse coverage for liability

Employee injuries, automotive coverage, and intentional acts are not usually covered under general liability insurance.

Errors and omissions (E&O) insurance2 protects you and your business from claims of negligent acts, errors, or omissions committed during business endeavors that result in a financial loss. Policies are typically written to cover common risks and exposures to a particular type of business and covers judgments, attorney fees, court costs and settlements up to the limits of the policy. E&O insurance is highly recommended for businesses that provide paid services, such as electricians, plumbers, HVAC installers, and sheet metal workers. These policies typically protect you (the business owner), your employees, and subcontractors.

Industry-specific insurance3 is tailored to all industries that require specialized coverage. For example, most industries that employ workers require workers’ compensation coverage; whereas an employer with no employees does not need workers’ compensation insurance. There are numerous considerations and requirements for industry-specific insurance, which is why it is important to ensure the company you choose offers the appropriate coverage your industry requires.

Introducing VensureHR, a Trusted Business Insurance Partner

VensureHR has been supporting businesses of all sizes across all HR, benefits, payroll, risk and compliance, and workers’ compensation service areas. We pride ourselves on continuously seeking technology, complementary services, and partnerships with other businesses to strengthen our service to our clients. Over the years, we have provided comprehensive insurance coverage options, including general liability, errors and omissions, industry-specific, and employment practices liability.


We have business partners that specialize in the insurance industry to help provide excellent care and services to our clients. Whatever it is your business requires or desires to protect against common liabilities, VensureHR is here to help. 

Business Liability Insurance Endorsement Options

Enhance a basic policy with additional commercial liability insurance options that meet the specific needs of your business.

Covers wrongful termination, wrongful refusal to employ, invasion of privacy or defamation claims made against you by an employee.

Provides coverage if your negligence cause fire damage to premises you rent or occupy with the landlord’s permission.

Extends coverage over and above your other liability coverage. Designed to protect against unusually high losses when the policy limits of one of the underlying polices have been used up.

Provides coverage for situations where a poor decision was made by a company’s board of direction or officers resulting in a claim for damage. Coverage can be provided for condominium associations, golf courses and churches.

Provides coverage for copyright infringement, libel, and slander.

Provides protection for bodily injury and property damage that occurs away from your premises that are caused by your products or your work. The amount of coverage and the level of risk depends on your business type.

Protects claims for injury for selling, serving or furnishing any alcoholic beverages during your business operations.