Business/Commercial Insurance

What Is Business Insurance?

Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks.

Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates.

Insurance plans we provide

Business Insurance

Business Owners Insurance

Business personal property insurance policies covers assets and items that your business owns such as inventory, equipment, furniture, and certain other named purchased assets.

Commercial Auto Insurance

Commercial Auto Insurance

Commercial Auto Insurance is a business insurance policy that insures your company owned vehicles and your employees for physical damage, injury, situations, and liability coverages that occurs while driving a company vehicle. Damage or injury that involves a company owned vehicle is typically not covered by a personal automobile insurance policy.

Commercial Auto Insurance
Commercial Property Insurance

Commercial Property Insurance

Commercial insurance protects businesses, including business owners and their employees. We understand that every business is different, and we offer several options as there is no one-size-fits-all insurance policy for small, medium, or large business owners.

Workers’ Compensation Insurance

Workers’ compensation insurance, also called Workman’s Compensation, is a form of insurance that covers medical costs and lost wages for your employees if in the event they would suffer a covered work-related injury or illness.

This type of coverage provides wage replacement and medical benefits to employees who are injured in the course of their employment, in exchange for mandatory waiver of the employee’s right to sue his or her employer for negligence.

Worker’s Compensation Insurance

Workers’ compensation insurance is often required by law. Protecting your business is easy with Nucleus Insurance, get started with a quote customized for your business today.

General Liability Insurance

General Liability Insurance

General liability is otherwise known as Commercial General Liability insurance. This is a broad type of insurance policy which provides liability insurance for a variety of general business risks. Commercial General Liability is business insurance that helps cover claims your company caused such as bodily injury to someone else or property damage to another person’s belongings.

And More Coverages

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Definition

Pays medical bills and lost wages for employees injured or sickened on the job.

Why It’s Essential

Required by law in most states. Protects your staff from work-related injuries and shields your business from costly employee lawsuits.

Definition

Covers claims like wrongful termination, discrimination, harassment, or retaliation.

Why It’s Essential

Even small teams can face HR issues. EPLI ensures you’re protected against claims by current or former staff and covers legal costs.

Definition

Covers damage to your building, equipment, and furnishings from fire, theft, storms, and more. May include loss-of-income coverage.

Why It’s Essential

Your facility is your lifeline. Property insurance helps you repair, replace, and keep operating after a disaster.

Definition

Covers liability and damage involving business-owned or employee-used vehicles.

Why It’s Essential

Whether you own a van or staff use personal cars to drive residents, accidents happen. This policy ensures your business is covered no matter who’s driving.

Definition

Covers breach response costs, legal defense, and regulatory fines related to data hacks and cyber attacks.

Why It’s Essential

You store private information about residents and staff. This policy protects your finances and your reputation if that data is ever compromised.

Definition

Adds extra coverage above your existing liability policies.

Why It’s Essential

A major lawsuit can exceed your standard policy limits. Umbrella coverage steps in to cover the rest—protecting your assets and business continuity.

Definition

A broader policy covering claims of physical, emotional, or verbal abuse—not just sexual misconduct.

Why It’s Essential

Residents may misinterpret disciplinary actions or house rules. This policy defends you against claims and keeps your business financially protected.

Definition

Covers legal costs and settlements if someone is accused of sexual abuse or inappropriate behavior within your operations.

Why It’s Essential

Even an unfounded accusation can destroy your reputation. This coverage is mandatory in many programs and protects your business against one of the most serious liabilities you can face.

Definition

Also called E&O, this protects against claims of negligence, mistakes, or failure to perform professional duties. It pays legal fees and any damages awarded.

Why It’s Essential

If a resident relapses or gets hurt, their family could accuse you of failing to supervise properly. E&O protects you from these high-stakes claims not covered under general liability.

Definition

Protects your sober living home from claims of bodily injury, property damage, and advertising injury caused to third parties. Covers medical expenses, legal defense, and settlements.

Why It’s Essential

Residents, families, and service providers are constantly coming and going. A single visitor slipping on your stairs can lead to major legal expenses. This policy is often required for certification and provides a critical safety net.