Commercial Insurance
Commercial insurance can protect you from some of the most common losses experienced by business owners such as property damage, business interruption, theft, liability, and worker injury.
Commercial insurance can protect you from some of the most common losses experienced by business owners such as property damage, business interruption, theft, liability, and worker injury.
While no two companies will follow the same process when buying commercial insurance, there are some basic steps everyone can take to get on the right path:
If you try to compare insurance rates by zip code, you will realize there is a dramatic difference in the average prices. The basic reason is each state uses a different set of factors to calculate the average car insurance cost.
As a property and casualty insurance company with more than 200 years of experience, we’ve helped protect companies of all sizes. From small companies to large corporations, our commercial insurance policies can help protect you and your employees from different risks.
Don’t just take our word for it. More than 1,600 people have given The DLPolicy commercial insurance a 4.8 star rating. We’re also honored to be one of the most trusted commercial insurance companies.
Commercial insurance can help protect your small business from claims like bodily injury, cyberattacks, data breaches and property damage. There are many different types of commercial insurance to consider. From general liability insurance and commercial property insurance to workers compensation coverage, each policy protects you in different ways. You can also add coverage to your policy, like commercial auto insurance and professional liability insurance. To learn more about commercial insurance, get a quote today.
Business insurance helps you cover the costs associated with property damage or liability claims that come along with doing business. If you don’t have business insurance, you may have to pay out-of-pocket if a customer claims your business caused damage to their property or if they bring a lawsuit against your company. In some states, you may be required to have certain types of business insurance. It’s a good idea to check with your local laws.
Yes. Business insurance can help cover legal settlements, fees and defense costs if someone sues your business. Business liability insurance, also known as general liability insurance, can help protect your business if you or your employees cause property damage or bodily injury to others. This type of insurance protects you from paying out-of-pocket if someone sues your company for advertising injuries or reputational harm.
Although a sole proprietorship is one of the most simple business structures, you still face similar risks that other small businesses face. If you’re a sole proprietor, you may consider having business liability insurance to help protect your business from customer injury claims, lawsuits, professional mistakes or damage to your company-owned property.
The best way to get commercial insurance coverage for your small business is to get a quote. Small business owners can start by bundling their coverage through a Business Owner’s Policy (BOP). A BOP combines general liability insurance, business income insurance and commercial property insurance into one convenient policy.
Getting numerous quotes allows you to compare both the cost and the coverage being offered by Commercial insurance companies. Remember that the cheapest quote may not be the best. Making sure that your most valuable asset is fully protected is crucial when comparing policy options.
Have a look at our rundown below to see the best process for comparing the quotes that you receive.
The first step is to get the quotes themselves. You have a few options for this, including visiting a local Commercial insurance agent, contacting an insurer directly online or over the phone, or going through an online marketplace such as The Zebra. The great thing about using a quotes comparison site like The Zebra is that you get the chance to compare Commercial insurance quotes side-by-side from multiple companies at once, saving you time and — very likely — money.
The cost is probably the first thing that will grab your attention. While it's important to fit your Commercial insurance into your budget, remember that the cheapest policy isn't necessarily the best one. If a quote is exceedingly low, make sure that it actually provides the coverage that you need.
One of the most important parts of shopping for Commercial insurance is finding a policy that fully covers you, your Commercial and your belongings. This includes both coverage types as well as your coverage limits. Learn more about how much coverage you need.
A big contributor to how much you pay per month on your Commercial coverage is the cost of your deductible. A lower deductible often means higher monthly payments. Just be careful not to set your deductible so high that you may struggle to meet it should you need to file a Commercial claim. Also, make sure to consider whether there are separate deductibles for perils such as hurricanes or windstorms.
The reputation of your Commercial insurance carrier should be considered when choosing a policy. It's important to go with a trusted insurance company that is responsive and able to resolve claims in a positive and timely manner. Find more information in our guide to the best Commercial insurance companies.
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