Commercial Insurance
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What is Commercial Insurance
Business (or commercial) insurance: Coverage designed to protect a company from financial losses that occur during normal operations. It acts as a safety net, transferring the financial burden of unexpected events—like lawsuits, natural disasters, or accidents—from the business owner to the insurance provider.
Why Commercial Insurance
Focus on growth: Your time and money should go toward building your business, not worrying about the unpredictable.
Risk management: You cannot control every liability or potential property loss.
Peace of mind: Business insurance handles those uncontrollable risks so you don’t have to.
Types of Commercial Coverages
| Coverage Type | What it Covers |
|---|---|
| General Liability | An essential protection for most businesses that covers unforeseen events or accidents for which the business might be held legally liable. |
| Business Properties Coverage | Protects the physical assets and properties belonging to a business, regardless of whether the business is large or small. |
| Business Income Coverage | Provides financial protection to cover lost income in the event that a business is forced to temporarily close due to an accident. |
| Building Coverage | Protects the physical structure of a building against loss. This is applicable if you own the building or if your landlord requires you to carry it as a tenant. |