Business & Commercial
Comprehensive, Quality Business Insurance for Your Most Important Investment,
Northern Insurance is prepared to give you an asset protection program for your business with comprehensive policies that provide you with protection 24/7/365 days of the year. Choose us as your personal risk advisor and together we can reach your financial goals.
Not what you are looking for?
Our types of coverage
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We provide coverage for buildings and personal property, business income, and extra expense. You can purchase endorsed coverage for spoilage, ordinance of law, pollutant cleanup and removal, and more.
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This includes liability coverage for premises liability, business operations, product liability, completed operations, contractual, contingent, personal injury, advertising liability, vacancy changes, and outdoor signs—just to name a few.
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This provides coverage for most business auto exposures including auto service risks. It provides liability coverage resulting from the ownership, maintenance, or use of owned, non-owned, hired, or borrowed autos. It also provides physical damage for loss to autos whether they are owned, hired, or borrowed.
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This provides statutory benefits for those who suffer an occupational injury or disease. This can also provide coverage for employers’ liability insurance.
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Increase liability limits that exceed the primary policies. Many businesses may need $5, 10, or 25 million in an excess liability policy.
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Insurance protection for your real estate practice in the event of general liability claims including defense coverage.
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General liability policies contain many restrictions and exclusions, and many were not designed for cyber-related exposures. We provide coverage for content liability, privacy liability, security breach liability, and security breach expense.
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Owners of smaller or complex businesses may handle their insurance needs through a BOP. This protection could include both property and liability protection and is a comprehensive solution that can be supplemented by other coverages. Often used for small office buildings, small retailers, some contractors, and some restaurants.
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Hiring and firing practices have become legal mine fields. It is important that businesses have clear policies that are applied consistently to each employee. This coverage helps businesses in case of any wrongful employment practice claims against them.
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The number of Dram Shop lawsuits and the amount of awards are on the rise. Even if you win a lawsuit, the cost of defending can run into the thousands of dollars. U.S. Insurance Company of America has the expertise and experience to aggressively defend our clients. Northern Insurance Group has over twenty years of experience with hospitality clients.
Our Policy Includes:
Common law coverage
Premises owners as additional insureds
No charge for additional insureds
Assault and battery coverage unless specifically excluded
No annual aggregate limits
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