Protecting your business with the right insurance coverage is essential for managing risk and ensuring long-term success. At Oso Insurance, we offer comprehensive business insurance solutions tailored to meet the unique needs of your company. Whether you’re a small startup or a large corporation, our team is dedicated to providing you with the coverage you need to protect your assets, employees, and operations.
As a leading provider of both bonds and insurance, Oso Insurance is your one-stop solution for safeguarding your business. We specialize in a wide range of commercial insurance products, including general liability, commercial property, and workers’ compensation, as well as specialized coverage like contingent cargo and auto liability. Our expertise in both bonding and insurance allows us to offer you comprehensive protection under one roof.
We stand behind our commitment to providing exceptional service and value. That’s why we offer a money-back guarantee on our business insurance policies. If you’re not completely satisfied with your coverage, we’ll work with you to address your concerns or provide a refund within the initial policy period. Your satisfaction is our top priority.
Commercial insurance is designed to protect businesses from a wide range of risks that could potentially lead to financial losses. This type of insurance typically covers property damage, liability claims, employee injuries, and more. Whether you’re facing a lawsuit, property damage from a natural disaster, or an employee injury, having the right commercial insurance policy in place can help mitigate the financial impact and keep your business running smoothly.
General Liability Insurance is a fundamental component of any business insurance plan. It protects your business from financial loss due to claims of bodily injury, property damage, or personal and advertising injury caused by your business operations, products, or employees. This coverage is essential for businesses of all sizes and industries, as it provides a safeguard against lawsuits and other legal liabilities that could arise from everyday business activities.
Commercial Property Insurance protects the physical assets of your business, including buildings, equipment, inventory, and furniture, against risks such as fire, theft, vandalism, and natural disasters. This coverage ensures that if your property is damaged or destroyed, you’ll have the financial resources to repair or replace it, minimizing downtime and helping your business recover quickly.
Workers’ Compensation Insurance is a mandatory coverage in most states that provides benefits to employees who are injured or become ill as a result of their job. This insurance covers medical expenses, lost wages, and rehabilitation costs, as well as providing death benefits to dependents if an employee dies due to a work-related incident. Having Workers’ Compensation Insurance not only ensures compliance with state laws but also protects your business from costly lawsuits related to workplace injuries.
Contingent Cargo Insurance provides coverage for businesses that transport goods but do not have direct control over the shipment. This insurance protects against loss or damage to cargo while it is in transit, ensuring that your business is not held financially responsible for incidents that occur beyond your direct control. Contingent Cargo Insurance is essential for logistics companies, freight brokers, and any business involved in the transportation of goods.
Contingent Auto Liability Insurance covers businesses that hire or lease vehicles for commercial purposes but do not own the vehicles themselves. This type of insurance provides protection against liability claims arising from accidents involving hired or leased vehicles, ensuring that your business is not exposed to financial risks related to third-party vehicles used in your operations.
In addition to the core business insurance products, Oso Insurance offers a variety of specialized coverage options tailored to meet the specific needs of your business. These include:
Covers loss of income and operating expenses if your business is forced to shut down temporarily due to a covered event.
Also known as Errors & Omissions (E&O) Insurance, this covers your business against claims of negligence or mistakes in the services you provide.
Protects your business from the financial impact of data breaches, cyber-attacks, and other digital threats.
Provides additional liability coverage above the limits of your existing policies, offering extra protection against major claims.
At Oso Insurance, we offer a wide range of commercial and business insurance solutions tailored to meet the specific needs of businesses across various industries. Whether you’re a small business owner or manage a large corporation, our insurance products provide the financial security you need to focus on growing your business with confidence.