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Every business, retail, specialty, service, bar and grill, financial services, auto mechanic, doctor, lawyer -- indeed any small business -- need to insure the business against risk. The question is often asked, how much is enough?

Many general liability policies for small business are 1 million dollars for any one loss and 2 million dollars in any one year. For most of us, that sounds like a lot of money, but is it really when looking at protecting your business?

Consider the ramifications of you or an employee of your company seriously injuring a third party in an accident where fault is determined to be you or your employees. 

The case goes to litigation, and the jury determines the losses to the third party exceed 4 million dollars based on medical costs, lost income, pain, and suffering. 

That 1 million dollar limit doesn’t look so big anymore, does it?

It is often important to ask your licensed commercial insurance agent what is realistic for your industry and business. 

A commercial umbrella policy is often a cost-effective way to increase your liability coverage without breaking the bank.

Property coverage is another area where a discussion with your licensed insurance professional is necessary. 

It is recommended that you carry the highest coverage affordable. Review the coverage with your licensed insurance professional while considering starting over in the event of a catastrophic loss.

It is always wise to have a separate discussion regarding the commercial vehicle insurance your business is carrying. As noted in the prior paragraphs, take the time to really determine with your licensed insurance professional a proper coverage amount.

Let us help you protect your business and keep your mind at ease. At CommercialInsurance.Net, our goal is to help you protect your business as efficiently as possible. To get a competitive insurance quote it is fast and easy, enter your zip code above and click “Get Quote.” One of our specialists will contact you soon.

This insurance purchase for my business was the most seamless phone encounter I have ever had in any phone purchase process bar none. Information was requested once and moved smoothly from one person to the next as we moved thru the purchase. Each person I dealt with was friendly, professional, and focused on determining my needs and the best way to match me up with the solution. Absolutely stellar!!!
Edward Green
One call and I had a policy within hours! Very affordable and responsive A+!
Mark Sullivan
Jennifer was extremly helpful, and was able to answer my questions in a timely manner and moved at my pace, which was extremly helpful, as a first time buisness owner.
Joseph Wilson