What Is Commercial Insurance?
Commercial insurance provides financial protection for businesses against risks related to property damage, liability claims, employee injuries, and operational interruptions. Coverage may include general liability, commercial property, workers’ compensation, commercial auto, professional liability, and other policies tailored to a business’s size, industry, and exposures.

Why Do You Need It?
Commercial insurance helps protect your business from unexpected losses that could disrupt operations or threaten financial stability. It can cover legal costs, medical expenses, property repairs, and lost income following a covered event. Many policies are also required by law, contracts, or lenders, making adequate coverage essential to maintaining and growing your business.

Questions to Ask Your Agent

• What types of commercial coverage are required for my industry and operations?

• Are my coverage limits sufficient to protect my business assets and revenue?

• What exclusions or gaps should I be aware of in my policies?

• Do I need additional coverage for cyber liability, professional liability, or business interruption?

• How do deductibles and coverage limits impact my premium?

• How often should my coverage be reviewed as my business grows or changes?