
Smart Business Owners Protect Their Investments
As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.
Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that’s right for you.
We offer free, comparative quotes on commercial insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you? Just request a quote to find out.
The right coverage for your investment
At Juffer Inc., we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.
We offer the following options for your business assets:
- Commercial property insurance
- Commercial general liability
- Business owners policy (BOP)
- Inland marine insurance
- Commercial auto insurance
- Commercial umbrella insurance
- Professional liability
- Workers compensation
- Crime insurance
- And much more
Commercial Liability
Commercial General Liability Coverage – The Commercial General Liability Policy provides the insurance protection needed to pay damages for bodily injury or property damages for which the insured is legally responsible. The policy provides coverage for liability arising from personal injury and advertising injury. Coverage for medical expense is also provided. The policy also covers accidents occurring on the premises or away from the premises. Coverage is provided for injury or damages arising out of goods or products made or sold by the named insured. The insured is the named insured and the employees of the named insured. However, several individuals and organizations, other than the named insured, may be covered, depending upon certain circumstances specified in the policy. In addition to the limits, the policy provides supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.
There are two commercial general liability coverage forms available, the occurrence form and the claims-made form. Both forms are somewhat identical in the coverage offered. The main difference is in the way claims are handled under the two forms. The occurrence form covers bodily injury or property damage claims that occur during the policy term, regardless of when the claim is reported. The claims-made policy form only covers claims made against the insured during the policy term. A claim made after the policy expires is not covered by a claims-made policy unless the claim is covered by an extended reporting period. The claims-made policy will only have the extended reporting period. The terms to the right reflect both forms.
Juffer Inc. provides additional types of business insurance protection:

Builders risk insurance usually is in the name of the contractor or the property developer; but it could also be in the name of the property owner if he is responsible for insuring it while the property is under construction. Both commercial and residential construction sites might be covered under a builders risk insurance policy.
There are also additional built-in schemes for the specialized needs of a particular construction project, whether it’s commercial or residential. Often, insurance companies request a certain level of experience of the builder before they provide insurance coverage for their commercial sites. Usually, an experience level of 2-3 years in commercial construction is desired.
An additional option that can be attached with builders risk insurance coverage is movement of earth. If the construction is extremely large, then the cost of moving earth from the digging site could amount to a great deal.
A builders risk insurance policy is essential for people who have a financial interest in property construction, either commercial or residential. It doesn’t mean only new construction, but also any remodeling or renovation project.
If any damage to construction material occurs in transit or during storage, then this cost could also be covered under a builders risk insurance policy.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverage needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.

From the time the loss occurs until your business is running again, insurance can replace your lost profits, and provide a source of money to pay your necessary continuing expenses, like rent, payroll, taxes, etc.

Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance.

Under the liability policy coverage, the building should be protected from damaging events such as fire, burglary and vandalism. It may not be enough to cover just the building; the aftermath of such damage should be covered as well.
Primary Liability – Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or insure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.
Cargo Insurance – Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.
Physical Damage (Collision, Specified Perils) – Provides coverage for repair or replacement for damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.
Occupational Accident – Product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent. Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operators expense. For those who qualify, occ/acc is generally a lower cost alternative.
We offer contractor policies for every type of project:
- Property
- Builders risk insurance and course of construction
- Liability insurance
- General liability insurance
- Contractor insurance
- Commercial auto
- Umbrella
- Workers’ compensation
- Railroad protective
- Equipment insurance
- Contractor bond

- Discrimination
- Wrongful Discharge
- Sexual Harassment
- Hostile Working Environment
- Wrongful Termination
- Lack of Advancement

Most business owners policies include limited product liability coverage. If, for some reason, you do not have this coverage through a business owner’s policy and your product runs the risk of inflicting harm on other people, you may need to buy product liability separately. Similarly, if your product presents a higher risk of injury (for example, it contains a hazardous material), you may need to purchase additional coverage.

Professional liability insurance is separate from a General Liability (GL) insurance policy which would cover you mainly for bodily injury or property damage liability.
Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.
Restaurant & Bar Insurance is needed for the following:
- Fine Dining
- Casual Dining
- Fast Food
- Ethnic Cuisine
- Delicatessen
- Coffee Shop
- Micro Brewery

By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, workers comp coverage is the largest part of its insurance expense.