Commercial insurance is one of the most important investments you can make for your business. Good commercial insurance will protect your company from financial loss and can be the difference between closing your doors and keeping the business running in case of a loss or lawsuit.
The three main types of commercial insurance are liability insurance, property insurance and workers’ compensation insurance. Liability insurance protects you from damages that your company inflicts on any third parties. It covers the cost of personal injury or property damage lawsuits and injuries customers incur at your place of business. Property insurance covers damages to property within your place of business, such as fire or flood damage. Workers’ compensation insurance protects you in case employees are injured on the job. It also prevents employees from filing negligence lawsuits against you for any injuries they sustain during work. There are additional, specialized forms of coverage under each of these broad categories that can protect you from business-specific liability. Please contact one of our agents to help you find a policy that will fit your needs.