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    Let our team take a detailed review of your business operations to make sure there are no gaps in coverage that may be leaving your business vulnerable.  We strive to provide custom commercial products to fit our clients specific needs.
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Commercial Insurance at River East Insurance

Business owners should carefully consider their commercial insurance needs, which offer a range of vital protection related to the business. From vehicles to property and the employees within the business, owners can safeguard their investment and lessen the risk of a scenario affecting its growth and presence. The following areas represent some of the primary commercial insurance needs that any business should approach.

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Types of Coverage

  • Commercial Auto
  • Business Owners Package (BOP)
  • Workers Compensation
  • General Liability
  • Commercial Property
  • Commercial Umbrella
  • Cyber-Liability
  • Professional Liability
  • Directors & Officers Liability
  • Commercial Crime

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    (860) 615-9980


    545 N. Main St. STE B

    Manchester, CT 06042

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    Commercial Auto

    A vehicle that is used within the context of business must have its own policy; a personal car insurance policy is not enough, as it won’t cover items that relate to business. If your business uses vehicles to perform routine or even occasional operations, a commercial auto policy is a must.

    Business Owners Package (BOP)

    Small business owners can take care of many needs in a BOP policy – it often includes vehicle, property damage, business income, property, and bodily injury, as well as other types of basic insurance needs.

    Business owners can compare quotes online using an independent agency. This is a valuable option that can save time and money, where owners can receive quotes from several top-tier insurance at once.

    Workers Compensation

    Workers that are hurt on the job can rely on workers compensation for lost income and medical expenses. This coverage is commonly required by employers, and it often extends to temporary employees as well.

    General Liability

    Bodily injury, property damage, personal injury, and advertising injury are covered with a CGL policy. A convenient catch-all type of policy, many businesses can use it as a starting point for their insurance needs – in terms of liability.

    Commercial Property

    A commercial property insurance policy could be thought of as a commercial version of a homeowners policy. You will find similar covered items, such as fire, theft, and natural disasters that pertain to the business property. If your business has some type of physical location, it would require a property insurance policy.

    Professional Liability 

    Also referred to as Errors & Omission's (E&O) coverage, professional liability insurance protects your business if you are sued for negligently performing the services you offer.  This coverage could protect you by covering costs to defend yourself as well as any settlement or judgement made against you.  

    Surety Bonds

    The state of Connecticut requires surety bonds to guarantee payment and compliance requirements and to legally conduct many business activities in the state.  Motor vehicle dealers and repairersdriving schoolsmortgage brokersfundraisers, and alcoholic beverage distributors are just a few common businesses that must be bonded in the state of Connecticut.  Other voluntarily purchased surety bonds called business service bonds may be useful in showing professional credibility and providing customers with peace of mind and on site theft protection. may be useful in showing professional credibility and providing customers with peace of mind and on site theft protection. may be useful in showing professional credibility and providing customers with peace of mind and on site theft protection. may be useful in showing professional credibility and providing customers with peace of mind and on site theft protection.

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    Voluntary Benefits

    What are voluntary benefits?

    Often employee-paid, voluntary benefits supplement traditional insurance. Employees can use that money to cover what regular insurance doesn't — like bills or daily expenses.


    They enhance your company's insurance offerings and help employees prepare for life's unexpected challenges.

    Accident Insurance

    Accident insurance, also called accident expense or accidental death insurance, gives you cash if you get injured or die from an accident covered by your policy. It pays a benefit directly to you (or your beneficiaries in case of death) for injuries resulting from a covered accident.

    Disability Insurance

    Disability Insurance insures the beneficiary's earned income against the risk that a disability creates a barrier for completion of core work functions.

    Dental Insurance

    Dental insurance is a form of health insurance designed to pay a portion of the costs associated with dental care.

    Vision Insurance

    Vision insurance is designed to reduce your costs for routine preventative eye care and prescription eyewear.

    Cancer Insurance

    Cancer insurance is a supplemental health insurance that helps to manage the risks associated with the cancer disease.

    Life is anything but expected.  We are here to help.

    River East Insurance has partnered with Colonial Life to provide our clients the best overall experience for their voluntary benefits.  We are here to make this process as easy as possible on you as a business owner while allowing you the opportunity to offer these incentives to your employees at little to no cost to you.  

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