Business insurance, also called commercial insurance, is insurance coverage designed to cover a business, including its employees and ownership. There are a wide variety of different types available.
Having the right commercial insurance policies is a significant component of a comprehensive risk management strategy that can help protect your business’s finances. Our agency is here to help you with all of your business insurance needs. Call The Perkins Insurance Agency Inc today to learn more or to get a free, no-obligation quote.
Business Insurance Policies
Every business’s insurance needs vary and may be influenced by company size, location, number of employees and industry. A few standard policies businesses may carry include the following:
- General liability insurance—A policy can provide coverage for claims of bodily injury or other physical injuries, personal injury (libel or slander), advertising injury and property damage. It can be offered as a package policy with other coverages such as property, crime, automobile and more.
- Property insurance—Also called commercial property insurance, this coverage helps pay for damages to your company’s equipment and property after a covered accident or incident.
- Business interruption insurance—If your business must shut down or cease operations due to a covered incident, this coverage can help replace lost income and pay for extra expenses incurred during the shutdown.
- Commercial auto insurance—If your company has vehicles, you will likely need to secure a commercial auto insurance policy to properly insure any fleet members or employees who are drivers for your organization.
- Professional liability insurance—This type of policy provides coverage if anyone makes a claim of negligence, misrepresentation or inaccurate advice against your business.
- Dental Malpractice – A description under the “Business Insurance Policies” line would be: Dental Professional Liability designed for the dental professional. Whether you are a specialist or a hygienist, we help analyze the risks in your practice. Our suggestions can help protect you from financial and professional loss. Our carriers provide special risk review for the dental market.
Depending on your business and industry, you may need to purchase other insurance policies for proper coverage. Contact The Perkins Insurance Agency Inc today to discuss your insurance needs.
Get Covered Today
If you need business insurance solutions, we’re here to help. Give The Perkins Insurance Agency Inc a call today to get started.