Commercial Business Insurance

Do I really need commercial business insurance or can I get away without it?

Putting a commercial business insurance package in place is a lot more than just a strategy to protect your company, and provide peace of mind. It will allow you and your business to remain viable and competitive in the event of an accident or disaster.

Many business owners opt for the cheapest commercial premium and minimum coverage while exposing themselves to some pretty high risks. Others still, over pay and over insure their business. Avoiding these extremes is simple if you bring in a licensed insurance professional to review and advise you on your commercial business insurance needs.

Paying commercial insurance premiums seems like a burden with no real return. The real question here is whether you can afford not to have the protection in place. No one has a crystal ball where they can predict the next natural disaster or accident by you or one of your employees. Preparation is far better than facing financial ruin form one event such as a hurricane or fire.

The overwhelming monetary expense of fighting a lawsuit from an accident or claim against your product or service as well as the mental anguish and stress produced. Would your business be able to survive an event like Hurricane Katrina or the aftermath? The serious and deadly Ice Storm of 1998 that wreaked havoc on northern states for up to 10 days, where many buildings were without power and had water mains and pipes burst.

Could your business move and reopen at a different location in a reasonable time? Is my liability coverage sufficient to cover a significant claim and allow you to maintain focus on your business?

Work with your licensed insurance professional to find the proper coverage for your situation. Then, at least annually, review the coverage in place and provide your agent with what is new and happening with your business. Make sure to advise them of any expansion plans or new product or service offerings. Give them the information needed to protect your business as you grow it.

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Workers' Comp
General Liability
Auto
More..