General Liability
General Liability provides protection for bodily injury and property damage that can arise from your business operations. Each industry has their own particular exposures and we at Rubix Insurance aim to match your needs to the insurance carrier that specializes in your industry. Additional endorsements including liquor liability, fire legal liability, and employee benefits liability are just a few that you may be able to add to your basic policy. Providing you with the best coverage at the most competitive rate.
| What it covers | Property damage and bodily injury to a third party |
| How is it rated | Insurance carriers base their rate off your companies sales or payroll |
| Certificates of insurance | Although not a binding contract used to provide proof of insurance |
| Audits/ Premium | Conducted on an annual basis to determine premium |
Workers Compensation
Workers compensation can protect the employers and employees when an employee is injured on the job by paying for their medical benefits. As an employer in Colorado it is mandatory that you provide workers compensation to all full or part time employees. We here to help you evaluate your workers compensation.
| What it covers | Covering your employees from workplace accident |
| How it is rated | Determined by payroll and industry |
| COI | Although not binding Contracts used to provide proof of insurance |
| Discounts | Performance, safety, and deductible |
| Audits | Premium determined at end of year audit |
Commercial Auto
If you're driving a vehicle for business reasons, having the right commercial vehicle insurance is important for your business. Whatever type of auto you use whether to travel to and from business meetings or a truck that is vital to providing your unique business service , the right coverage can help protect your business.
| What it covers | Vehicles used in the course of business |
| How its rated | Based on coverage options selected per vehicle |
| Physical Damage | Comp and collision will cover vehicles listed on the policy |