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Parts of Commercial Insurance
General Liability
General liability insurance covers common small business risks like customer injury, customer property damage, and advertising injury. It protects your business during lawsuits and helps you qualify for leases and contracts.
Most small companies need this insurance if you rent or own an office or commercial space. Client contracts include requirements for general liability insurance. Even if these don't apply to you, small businesses that work directly with clients and customers usually benefit from general liability insurance. This insurance policy can keep your company financially stable if you're sued by a customer or competitor.
Because general liability provides such important coverage, most small business owners buy the policy right after they start their business.
General liability insurance provides coverage for common lawsuits from third parties (people outside your business).
This policy covers your legal defense costs if someone sues over a bodily injury, property damage, or advertising injury. It can pay for everything from hiring a lawyer to court-ordered judgments and settlements.
Property Insurance
A commercial property policy covers buildings and personal property owned by your business.
Property policies cover two basic categories of property: Buildings (also called real property) and Business Personal Property. If you own the building in which your business operates, then your policy should cover both the building and the business personal property it contains. If you rent or lease your building, then your policy will likely cover only your Business Personal Property.
Workers Comp
Workers' compensation or workers' comp is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
It Can Help If:
- An employee is injured in an auto accident while running errands for the company
- An associate develops carpal tunnel syndrome from working on the computer
- An employee gets hurt while restocking the supply room
Employee Health Benefits
Offering your employees health insurance benefits makes you competitive in the job market, improves employee morale and can qualify you for tax breaks. It’s worth getting it right when you’re making such a huge decision that affects everyone on your staff. From major medical plans, dental, vision, group life insurance and more.