It's our business to "Protect your business"

Protect the business that you've worked long and hard to grow. Our business insurance services include commercial auto, general liability, workers' compensation, commercial property, employee benefits, bonds, etc.

Commercial insurance can help protect your business against lawsuits and financial losses resulting from a number of situations. We have the markets and insurance solutions for your retail store, restaurant, gift shop, coffee shop or whatever your small business needs are. Suburban prepares policies for:

• General Liability
• Building Insurance
• Property Insurance
• Workers' Compensation
• Commercial Auto Insurance
• Cyber Liability

Commercial policies are written with Farmers Insurance of Flemington,  Andover Companies, Preferred Mutual, Travelers and Mercer.

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Commercial Auto

As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, personal injury protection and coverage for uninsured motorists. 

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do.

While the major coverage is the same, a business auto policy differs from a personal auto policy in many technical respects. 

General Liability

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Workers' Compensation

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken. 

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers' compensation insurance. Workers' compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.