As a business owner, ensuring your company is safe and secure is your most crucial task. One step in protecting your business is keeping commercial insurance current. The Hyman Brown Insurance Agency Inc., located in Commerce, GA, will provide guidance for choosing the right policies to keep you and your finances where they need to be if something goes wrong.
Understanding Commercial Insurance Types
Navigating the confusing world of insurance can be overwhelming. However, knowing the different types helps make things a little easier to understand. Here are the most common types of policies:
General Liability Insurance:
This coverage protects against claims for bodily injury, property damage, and personal or advertising losses. If you face a lawsuit, it will also help cover legal fees and settlement costs.
Commercial Property Insurance:
Whether you own or lease your business property, this property insurance covers damage to buildings, equipment, and inventory caused by fires, storms, theft, or vandalism.
Workers’ Compensation Insurance:
Workers’ compensation will give wage replacement and medical benefits if an employee suffers a work-related injury or illness. In addition, it will protect your business from legal complications.
Professional Liability Insurance:
Also known as Errors and Omissions (E&O) insurance, this kind of policy covers claims of negligence, errors, or omissions in professional services provided by your company.
Commercial Auto Insurance:
If your business owns or uses vehicles, commercial auto insurance is necessary as it helps with liability and property damage after any accidents involving company automobiles.
What’s Covered and How We Can Help
Commercial insurance policies vary, and it’s important to understand what’s covered and what’s not. We can assist in evaluating your business’s risks and help customize a policy to protect your assets.
Give Hyman Brown Insurance Agency Inc. a Call Today!
Don’t let unexpected events jeopardize the future of your brand. Contact the Hyman Brown Insurance Agency Inc. in Commerce, GA, today to discuss your commercial insurance needs. Invest in your business’s security and give yourself the peace of mind you deserve.