Commercial Insurance That Makes Sense

Types of Commercial Insurance Include:

  • Property insurance
  • Liability
  • Commercial auto insurance
  • Workers’ compensation
  • Group health
  • Life insurance
  • Disability income
  • Key man insurance and much more

Understanding What You’re Paying For

Property Insurance

This covers the building or building and its contents. This includes crime coverage, outdoor signs, glass coverage, and property of others.

Liability Coverage

This coverage covers what you would normally be obligated to pay in the event of bodily injury or property damage to others. If you do not own the building you’re in, your landlord should cover this, however, you can still have this added to your insurance policy. Liability covers the premises and the areas in which the insured operates.

Commercial Auto Coverage

This type of coverage is similar to the coverage you have on your personal vehicle, but it’s intended for vehicles that are used during the course of business. If your employee makes a delivery and backs up into another vehicle, this type of insurance would cover the expenses.

Workers’ Compensation

Workers’ compensation coverage protects your employees when they’re hurt on the job. The insurance will pay a disability income to the worker if their injury renders them unable to work.

Key Man

This type of insurance coverage covers you if you’re operating with a business loan. Bankers typically require you to have key man insurance, also known as life insurance, so that the bank can acquire their money if you’re incapacitated in some way. Sole proprietors do not tend to carry key man insurance, however, it’s not uncommon for a partner to have key man insurance.

Get In Touch With Us Now

If you want to learn more about what commercial insurance policy is best for you, give us a call now. We’ll walk you through a quick assessment and provide you with a quote for the best possible fit. All you need to do is pick up that phone, dial our number, and answer a few questions.

For your convenience, we currently have offices in Harrisburg, Marion, Eldorado, and Golconda.