Business & Commercial Insurance
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Business & Commercial Insurance Information
Whether you’re an experienced or new business owner, getting the right coverage for your small business can be a challenge. With various options to choose from, you may wonder which policies suit your business’s needs best. While this decision can be overwhelming at times, your agent at Cowey Insurance Group is here to help you through the process.
Types of Small Business Insurance
You should consider several types of coverage for your business, depending on its unique needs. The following are some suggested policies:
Commercial property: This covers costs resulting from a fire, explosion, burst pipe, storm or theft. Whether this pertains to damages or losses to your building or other property on the business’s grounds, this insurance compensates you for some of those costs.
General liability: This covers claims involving injuries and property damage resulting from your business’s products, services or operations. This can also help cover medical expenses and attorney fees that result from such and leave your business legally responsible. Typically consists of four elements: premises liability, products liability, personal injury and advertisements injury.
Commercial auto: This covers the costs due to an auto accident if you or an employee is at fault. This coverage can also help pay for damaged property and medical expenses.
Workers’ compensation: This covers costs related to an employee becoming injured or ill while working. Coverage can include costs such as medical bills or wage replacement related to a work-related injury or illness and protects your business from potential lawsuits coinciding with work-related injury or illness.
Professional liability: Also known as errors and omissions (E&O) insurance, this coverage can protect your business against claims pertaining to a service you provided that caused the customer harm or suffering. Coverage can protect your business against costs associated with lawsuits as well. If you work directly with customers, this coverage is highly suggested.
Employment practices: This covers wrongful acts that can occur during the employment process, such as claims of discrimination, wrongful termination, sexual harassment and retaliation. Reimburses costs of defending a lawsuit, whether you win or lose.
Cyber liability: If you run any portion of your business online, you are at risk for cyber attacks. This coverage can help protect your business against cyber attacks resulting in loss of data, revenue and customer trust.
Contact Us Today
At Cowey Insurance Group, we want to help you obtain the best coverage options for your business. Learn about your small business insurance options by contacting your agent today!