Business Insurance

What is Business Insurance?

If you own a business, owners face risks. That’s where business insurance comes in handy! You want to make sure you are protected in the event of things like:

• Lawsuits
• Theft or Vandalism
• Property Damage
• Employee Injuries
• Loss of Income

There are also different types of coverage. So, you want to make sure you have the appropriate coverage for your business. Factors like industry, size, location and number of employees will matter. So, what are the types of coverage?

• Commercial Liability: Covers claims arising from injury or damage caused by your business.
• Commercial Property: Protects the physical assets of your business from events like fire, weather, and theft.
• Commercial Auto: This protects the business if you or your employees utilize a company vehicle.
• Workers Compensation: This offers coverage for your employees if there is an occupational injury or illness.

As your business grows and changes, your coverage will be to change. Regularly reviewing your insurance needs is a must. You never want to be underinsured. So, speaking with a broker is essential! A licensed broker can help assess your business needs and help you decide on coverage.

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