There are so many kinds of commercial insurance that it can be confusing. You don’t want to pay for insurance you don’t need, but you can’t afford to go without necessary insurance to protect your interests. Express Insurance can help you explore your options to decide which kinds of commercial insurance you need to protect your Longwood, FL business.
General Liability Insurance
Considered the most basic kind of insurance, your general liability policy will protect you from standard risks, such as when customers are injured. Liability insurance also covers property damage your business is responsible for and torts like libel. If you have a commercial lease, you may already be required to have general liability coverage.
Worker’s Compensation Insurance
If your Longwood, FL business has at least four employees, you are legally required to carry workers’ compensation insurance. However, you may still choose to carry this insurance even if you are a sole proprietor because it can cover injuries to you that regular health insurance may deny.
Commercial Auto Insurance
If your Longwood, FL business uses any autos or trucks in the course of business, you need commercial auto protection. Your regular auto insurance will not cover any claims for accidents that occurred to work vehicles or during the course of business.
An umbrella policy adds extra protection to all your other commercial insurance policies.
Other Kinds Of Commercial Insurance
There are several other kinds of commercial insurance, such as business closure insurance and professional liability insurance. Every business is different, and your business has its own unique needs. If you want to explore your options commercial insurance options, please call Express Insurance today.