You put a lot of hard work into creating your business. Now that your business is thriving, it’s an important part of your lifestyle and an essential part of your financial health. No matter whether you run a one-person operation out of your basement, or a multi-level corporation with hundreds of employees, you need the right commercial insurance coverage to protect your business against potential financial risks.

What’s Covered by Commercial Insurance?

Commercial insurance is designed to protect you against the financial risks associated with running a business. Whether you need coverage for a large or small business, you can find a policy designed to meet your unique needs. Commercial insurance typically provides coverage for:

• Commercial property coverage including land, buildings, and personal property on the premises
• Building and business personal property coverage including buildings, attached and unattached structures, and installed machinery
• Commercial crime coverage including protection against loss related to crime like theft, burglary, robbery, or employees
• Employee dishonesty coverage that protects against fraudulent acts from employees
• Commercial liability coverage including personal or advertising injury, products and completed operations injury, medical payments, fire damage limit, and liqueur liability.
• Worker’s compensation coverage that protects workers in the event of an injury at work.
• You can purchase additional optional coverage to protect you from gaps, including earthquake, flood, fine arts, money and securities, and spoilage due to temperature change.

Who Needs Commercial Insurance?

Any business with employees must have worker’s compensation insurance coverage. Still, it’s important for businesses both large and small to maintain protection against the financial risks. Customized insurance packages exist for businesses both large and small. If you have a small to medium business, a business owner’s policy will likely provide the coverage you need. However, for medium to large businesses, a commercial package policy is likely a better choice.

What Coverage Options Should a Commercial Insurance Policy Include?

A commercial insurance policy should include certain standard coverages designed to protect every business against certain liabilities associated with serving customers and financial risks that could occur with damages to your business or loss of income. Optional coverages should also be available to provide protection against coverage gaps. Every business is different, and your business has unique insurance coverage requirements. Indeed, discussing the specific details of your business with an independent insurance agent can help you determine the commercial insurance options you need.

Get Customized Coverage for Your Business

There are many insurance providers that offer commercial insurance coverage for practically any business. Still, it’s important to find customized commercial insurance coverage to provide the protection you really need. An independent insurance agent can help you get a customized commercial insurance policy designed to meet the unique needs of your business.

At LoPriore, our motto is insurance that fits your lifestyle. Our agents get to know you and the details of your business, so we can offer advice about your commercial insurance options. Since we work with a variety of commercial insurance companies, we have an opportunity to provide you with coverage designed to protect your unique business. The ability to compare commercial insurance quotes across more than one company means you get the coverage you need at the lowest prices available.

Commercial Insurance Quotes

The most effective way to find a commercial insurance policy is to compare quotes from multiple insurance companies. It’s common for large insurance companies to advertise big policies and cheap prices, but it’s essential to find coverage that supplies your unique business with the coverage you need. An independent insurance provider can help you find the coverage you need and compare quotes from multiple commercial insurance companies within minutes.

Get a Free Commercial Quote Online Today

Protecting your business with proper insurance coverage is an important investment that you shouldn’t put off. If you’re seeking commercial insurance coverage for the first time, or you’re unsure about whether you have the right coverage for your business, LoPriore Insurance Agency can help. In fact, we work with a variety of insurance companies to provide our customers with unique coverage options to fit the unique needs of any business.

Our instant quote comparison process makes it easy for you to get a commercial insurance quote within minutes. Simply fill out the form below, or upload your existing policy to get personalized commercial insurance quotes for your business. Then, if you need additional assistance or have questions, give us a call.

Frequently Asked Questions About Commercial Insurance Quotes