10 types of business insurance Mercury carries

As of my last update in January 2022, Mercury Insurance offers a range of commercial insurance products tailored to various businesses. These may include:

1. General Liability Insurance: This coverage protects businesses from third-party claims of bodily injury, property damage, and advertising injury.

2. Commercial Property Insurance: Covers physical assets such as buildings, equipment, inventory, and furniture against damage or loss due to covered perils like fire, theft, or vandalism.

3. Business Owners Policy (BOP): A package policy that combines property and liability insurance into one policy, often at a lower cost than purchasing separate policies.

4. Workers’ Compensation Insurance: Provides benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs.

5. Commercial Auto Insurance: Protects vehicles used for business purposes, including company cars, trucks, and vans, against accidents, theft, and other risks.

6. Professional Liability Insurance (Errors & Omissions Insurance): Covers professionals from claims of negligence or inadequate work that result in financial loss to clients.

7. Cyber Liability Insurance: Helps businesses mitigate financial losses and legal liabilities resulting from data breaches, cyberattacks, and other cyber incidents.

8. Commercial Umbrella Insurance: Provides additional liability coverage above the limits of underlying liability policies, such as general liability, auto liability, or employer’s liability.

9. Employment Practices Liability Insurance (EPLI): Protects businesses against claims of discrimination, harassment, wrongful termination, or other employment-related issues.

10. Directors and Officers Insurance (D&O): Offers liability protection for directors and officers of a company against claims alleging wrongful acts or decisions made in their capacity as leaders.

It’s important to note that insurance offerings may vary by location and the specific needs of the business. Therefore, it’s advisable to contact Mercury Insurance directly or consult with an insurance agent to determine the exact types of commercial insurance coverage available for your business.