What is a BOP?
Packages property and general liability for many small businesses, sometimes with business income.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
Learning Center
Business insurance FAQs
BOP, GL, COIs, Ohio BWC, cyber, bonds.
What is general liability insurance?
Covers certain BI/PD and advertising injury from operations/products, subject to exclusions.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is a certificate of insurance?
A snapshot of coverage on a date—not a policy change.
Existing clients can request a certificate in the SHI Client Center (Get Certificates). For special wording or complex business certificates, call us.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at commercial quote form.
What does additional insured mean?
Endorsement sharing certain liability protection with another party.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is a waiver of subrogation?
Insurer won't recover from a named third party after paying a claim.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
Is Ohio a monopolistic workers' comp state?
Yes. Most employers buy WC through Ohio BWC, not private carriers. Some may self-insure if approved.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
Do I need workers' comp in Ohio?
Most employers with employees must have BWC coverage or approved self-insurance.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is hired and non-owned auto?
Liability for rented vehicles or employees' personal cars used for business.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What are loss runs?
Prior claim reports; underwriters often want 3–5 years.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is professional liability / E&O?
Covers certain professional service mistakes—different from GL.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is cyber insurance?
Certain breach response, ransomware, and cyber liability costs.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is inland marine insurance?
Movable equipment/tools/cargo coverage.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is builders risk?
Property coverage during construction.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is EPLI?
Employment practices liability for certain employee claims.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is a surety bond?
A performance/license guarantee; you may repay the surety.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
Does a home-based business need commercial insurance?
Often yes once you have customers, employees, or meaningful business property.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is completed operations liability?
Covers injury/damage from finished work—critical for contractors.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is a premium audit?
Post-term true-up of payroll/sales-based premium.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What does primary and noncontributory mean?
Your policy pays first without seeking contribution from another party's insurance.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
Do I need liquor liability?
If you serve/sell alcohol, standard GL may exclude that exposure.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is commercial property insurance?
Buildings and business personal property against covered causes of loss.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is business income coverage?
Can replace income during a shutdown after a covered property loss.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
Are independent contractors covered by my WC?
Often not—misclassification is risky; check BWC rules.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is garagekeepers coverage?
For customer vehicles in a shop/lot's care.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
What is D&O insurance?
Directors and Officers coverage for certain management claims.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
Can SHI help if BWC handles workers' comp?
Yes—we place commercial property, liability, auto, bonds, and related coverages alongside BWC.
Want help for your business? Talk with a Stockton-Hill Insurance agent or start a commercial quote at /commercial-quote/.
Questions about your business? Request a commercial quote or call (740) 642-3333.
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