Commercial

Comprehensive Insurance Coverage for Your Business

At PNL Insurance, we understand the challenges faced by business owners and top executives. We’ve been helping business people like you for more than 20 years.

We call our approach, “Strategic Options.  Smart Decisions.” This means we work with you, ask questions and listen carefully. Then we use our extensive experience to evaluate options and help you make the best decisions for the right Property & Casualty coverage at the right cost.

We look forward to discussing the PNL approach and how we can be of service.

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Types of Commercial Insurance We Offer

Commercial General Liability Insurance

A commercial insurance policy is your first line of defense, covering claims for bodily injury, physical injury or property damage caused to others by you or your employees. This safety net is critical because the number of lawsuits and the value of judgment awards have increased over the years.

Worker’s Compensation

The goal of workers’ compensation is to return the injured employee quickly and economically to work without unduly harming the employer’s business. PNL Benefits can help you select the appropriate coverage for your state and business size.

Errors & Omissions Insurance (E&O)

E&O insurance helps to protect a professional, an individual or a company, from bearing the full cost for defending lawsuits related to an error or omission in providing covered services. This is separate from a standard general liability or property insurance policy, also known as Professional Liability insurance.

Directors & Officers Insurance (D&O)

This protects the personal assets of private companies’ directors and officers are at risk from suits by a variety of entities: clients, shareholders, competitors or suppliers, and government agencies. Generally it is a good idea to carry both Directors & Officers liability insurance and Errors & Omissions insurance.

Employment Practices Liability Insurance (EPLI)

EPLI typically covers claims of discrimination, wrongful termination and sexual harassment of employees. Employment Practices Liability Insurance can be bundled with Directors and Officers liability insurance, which protects against claims that allege misconduct by the officers of a company against individuals or groups affected by the directors’ actions.

Commercial Automobile Insurance

Do your employees use their own autos to perform deliveries, sales meetings, picking up supplies, and other errands for your business? If so, you could be held liable for any automobile accidents they cause. Commercial vehicle insurance is needed to cover the cars, trucks, and vans used in conducting your business. Whether you use your own car or a fleet of trucks, PNL Insurance can find you the protection you need.

Product Liability Insurance

Product liability insurance protects your business from liability related to the manufacture or sale of products, food, medicines or other goods. It covers the manufacturer’s or seller’s claims from a buyer, user or bystander caused by a defect or malfunction of the product, a defective design or a failure to warn. If your company provides any products to the consuming public, then your company should have product liability coverage.

Film & Television Production Insurance

PNL Insurance can work with producers to ascertain and implement the right combination of insurance products for any form of film or television production. Protection covers the property associated with these productions, and also insures extra expenses arising from illness or injury to cast members, loss or damage to negative film or videotape, or problems arising from faulty cameras, film or processing.

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