What is the best business insurance?

The best business insurance is coverage that is tailored to fit your unique needs. Central offers something for every policyholder with a wide range of choices from basic protection to broad, comprehensive coverage.

  • Liability suits and judgments of millions of dollars are not uncommon today. A Commercial Excess Liability Policy offers an additional amount of coverage over what is provided under most primary liability insurance policies.
  • Employment Practices Liability (EPL) insurance helps protect you from claims made by your employees alleging wrongful termination, discrimination or harassment, including sexual harassment. EPL insurance coverage pays for liability damages and defense costs due to covered claims brought by full-time, part-time, temporary, and seasonal employees.
  • Our Data Compromise and Identity Theft coverage will help protect you and your business from the devastating effects of a security breach.
  • Reliance on new technologies and equipment has led to a greater probability that a critical business system will breakdown. Equipment Breakdown Coverage can help protect you from the financial loss.
  • Business Income coverage covers your business’s lost income when your business is damaged or your operations are suspended.
  • Professional Liability protects professionals such as beauticians, opticians, veterinarians, and other skilled tradespersons for acts or omissions for which they may be legally responsible which arise out of the performance of professional services for others.
  • Both business owners and employees are affected by workplace injuries. Workers' Compensation coverage provides protection for your employees.
  • Most businesses utilize some form of transportation in their business operations. Central offers various types of Commercial Auto Insurance for vehicles owned or leased by your business.

Assisting our policyholders with developing and maintaining their own effective Loss Control Program is an important part of the business insurance package. Our objective is to assist in minimizing possible accident situations, fires, and the various causes of business interruption. The most important consideration in developing a program is having an understanding of the needs of the policyholder.

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With all of the options available from Central, it’s best to discuss your insurance needs with your independent Central agent and let them help you determine the best coverage package for you.

Of course, any insurance policy is only as good as the service that stands behind it! At Central, we take our promise to provide security, protection and peace of mind seriously, from the minute you accept the policy, to the moment a loss occurs, and beyond. While we hope you never have a need for our claims services, should you experience a loss you’ll appreciate the value of Central. From our contact standards, which are among the highest in the industry, and our fast, efficient processing of claims to our continuous communication and prompt resolution of problems or issues, our goal is to provide the best customer experience every time.

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The policy coverages described above are in the most general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact a Central Agent.