Commercial Insurance: Robust Protection for Your Business

General Liability Insurance

General liability insurance is the cornerstone of business protection, covering claims for bodily injury, property damage, or advertising injuries caused by your operations. It protects against lawsuits from third parties, such as a customer slipping in your office or a client claiming reputational harm. Legal fees, settlements, and medical costs are covered up to policy limits, ensuring financial stability. This coverage is essential for businesses interacting with clients, vendors, or the public in New Hampshire or Maine. Hi Rise crafts policies for your industry, minimizing risks specific to your operations.

Commercial Property Insurance

Commercial property insurance safeguards your business’s physical assets, including buildings, equipment, inventory, and furniture, against perils like fire, theft, or vandalism. It covers repair or replacement costs, ensuring you can recover quickly from unexpected damages. For businesses like apartment complexes, it protects structures and common areas, maintaining tenant safety. We assess your property’s location and value to recommend adequate coverage, considering New England’s weather risks. Hi Rise ensures your business remains operational, even after significant losses.

Business Automotive Insurance

Business auto insurance covers vehicles used for work, such as delivery vans, service trucks, or company cars, against accidents, theft, or damage. It includes liability for injuries or property damage caused by your drivers, plus collision and comprehensive coverage for vehicle repairs. For trucking operations, we offer specialized policies addressing cargo or long-haul risks. Optional roadside assistance and rental reimbursement keep your business moving. Hi Rise customizes coverage to your fleet size and usage across New Hampshire and Maine.

Workers’ Compensation Insurance

Workers’ compensation insurance is critical for businesses with employees, covering medical expenses, lost wages, and rehabilitation costs for work-related injuries or illnesses. It also protects your business from lawsuits by injured employees, ensuring compliance with state regulations. This coverage is vital for industries like construction or property management, where workplace risks are higher. Hi Rise designs policies to match your workforce size and industry, promoting employee safety and business stability. We guide you through claims to ensure swift, fair resolutions.