Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
No matter your business, it’s essential to protect yourself, your customers and your business from risk. Having the right insurance coverage for your business is essential. There are several types of coverage that might be right for your business. To determine the coverage best for you, contact your agent at The Peterson Agency to get started.
What Types of Business Insurance Are Available?
There are several types of insurance available for your business. While the exact coverage you need will depend on your business’s unique risks, some common types of coverage are explained below.
Commercial property insurance
Commercial property insurance helps if your business experiences a loss such as a fire, explosion, burst pipe, storm or theft. This insurance compensates you for losses or damage to your building, leased or owned equipment and other property on the premises.
General liability insurance
General liability insurance covers expenses and attorney fees resulting from injuries or property damage claims for which your business may be legally responsible. General liability insurance may cover costs that accrue if an injured third party decides to sue your business. General liability insurance policies typically have four coverage elements:
Premises liability covers you if a person not employed at your business becomes injured on your property.
Products liability covers you if a product or service causes injury to someone’s body or inflicts damage on a consumer’s personal property.
A personal injury is when your business inflicts physical, financial or mental damage to a third party.
Advertisement injuries are caused by alleged misinformation, copyright infringement or slander made by your business.
Employment practices liability insurance
Employment practices liability insurance covers wrongful acts that occur during the employment process, such as claims of discrimination, wrongful termination, sexual harassment and retaliation. This coverage also reimburses you for the costs of defending a lawsuit in court and for judgments and settlements.
Workers’ comp is required in most states and is used to cover medical bills or wage replacement for employees who experience a work-related injury.
Cyber liability insurance
Cyber liability insurance can protect your business from a cyber attack or interruption that can cause a loss in data, revenue and trust between you and your customers.
Commercial auto helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses.
Professional liability insurance
Also known as errors and omissions (E&O) insurance, this can protect your business against claims that a service you provided caused a client to suffer because you made a mistake or failed to perform a service.
Learn More About Types of Business Insurance
At The Peterson Agency, we want to help you determine the proper coverage for your business. Contact your agent today to learn more about coverage options.