As a business owner, your business is your livelihood. After putting all the hard work and time into building it, you need to be sure that your investment is protected. At Integrity Insurance Agency, our business is to protect your business. We Understand that no two companies are the same. We also understand each policy needs to be as unique as the business. At Integrity Insurance Agency, we can help you determine the right insurance coverage for your company’s unique needs. The following coverages represent some of the primary Commercial Insurance needs every business should consider.
A vehicle that is used within the context of business must have its own policy; a personal car insurance policy is not enough, as it won’t cover items that relate to business. If your business uses vehicles to perform routine or even occasional operations, a commercial auto policy is a must.
Bodily injury, property damage, personal injury, and advertising injury are covered with a CGL policy. A convenient catch-all type of policy, many businesses can use it as a starting point for their insurance needs – in terms of liability.
A commercial property insurance policy could be thought of as a commercial version of a Home policy. You will find similar covered items, such as fire, theft, and natural disasters that pertain to the business property. If your business has some type of physical location, it would require a property insurance policy.
Professional Liability Insurance
When you offer your goods or services on the market, you are liable to lawsuits for negligence. “Errors and omissions” that are deemed to be your fault in a civil court will be your business’ responsibility. Professional liability insurance covers your losses in these cases.
Workers that are hurt on the job can rely on workers compensation for lost income and medical expenses. This coverage is commonly required by employers, and it often extends to temporary employees as well.
Small business owners can take care of many needs in a BOP policy – it often includes vehicle, property damage, business income, property, and bodily injury, as well as other types of basic insurance needs.
Call or email us today to schedule a no-obligation consultation. We would love to earn your business.