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Commercial Insurance
Commercial insurance is designed to protect businesses from financial losses due to risks like property damage, liability claims, employee injuries, and other business-related incidents. Whether you own a small business or a large corporation, commercial insurance helps safeguard your operations and assets.
- Property coverage for buildings, inventory, and equipment from fire, theft, and other perils.
- Liability protection in case your business is responsible for injuries or property damage.
- Business interruption coverage to compensate for lost income during disaster-related closures.
- Workers’ compensation coverage for employee injuries on the job.
- Professional liability insurance (Errors & Omissions) for service-related businesses.
- Commercial auto insurance for vehicles used in business operations.
The type of insurance your business needs depends on the industry, size, and specific risks associated with your operations. Common policies include general liability insurance, which covers third-party claims for injuries or property damage, commercial property insurance to protect your building and assets, and workers’ compensation to provide benefits to employees in case of work-related injuries. Consulting with Arrow Insurance can help determine the best combination of coverage for your business.
Yes, many business insurance policies include coverage for lawsuits. For example, general liability insurance can protect your business from the financial burden of lawsuits involving third-party injuries or property damage. Professional liability insurance, also known as errors and omissions insurance, covers legal defense and damages if a client sues over mistakes in your work. Arrow Insurance can help you choose the right policy to ensure you're protected.
The cost of business insurance varies based on factors like the size of your business, industry, location, and the types of coverage you choose. Small businesses with lower risk may pay less for basic coverage, while larger businesses or those in high-risk industries may require more comprehensive policies at a higher cost. Arrow Insurance will work with you to find the right coverage at a price that fits your budget.