Commercial lines insurance includes property and casualty insurance products for businesses. Commercial lines Insurance helps keep the economy running smoothly by protecting businesses from potential losses they couldn’t afford to cover on their own, which allows businesses to operate when it might otherwise be too risky to do so.
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A commercial property insurance policy is beneficial for businesses and other organizations. It insures against unexpected damages to your building and its contents. Whether your business operates in a restaurant, office, retail store or other location, we provide a number of options to insure your building. With our commercial property insurance, your building can be repaired or rebuilt, helping you get back to business.
Your commercial vehicles are used to conduct a service, whether transporting goods or people, and are operated by employees. We offer customizable commercial auto insurance that’s got you covered when damages occur to your vehicle, employee or someone else’s property. We have options for large and small companies that cover vehicles you own, lease or rent for business purposes.
Commercial umbrella insurance further extends the territory of a business’ liability coverage when its limits have been reached. Protect your business from a large loss by looking into commercial umbrella insurance. Despite your best efforts, accidents do happen and your business may be sued. Having a commercial umbrella policy will help to cover all that you have worked so hard to build.
As a business owner, general liability insurance will protect you from a variety of claims or unplanned accidents, including property damage and bodily injury. General liability insurance helps cover costly claims that can arise during normal business operations. If you don’ have the resources to coverage then you would have to cover these expenses out of pocket. A general liability insurance policy can help cover claims to include the following:
Third-party bodily injury: A client or customer getting hurt in your place of business, they can sue. Your general liability insurance policy includes bodily injury liability coverage, so it can help pay for their medical bills.
Reputational harm: This is when someone tries to sue your business for libel or slander because of what you or any of your employees may have said. Your policy can help cover legal costs to defend your business.
Advertising injury: Your company can get sued for copyright infringement. For example, using a writer’s work or photographer’s photo without their permission.
Liability claims can be costly, an average claim being $35,000. This could put you out of business. Let our team work with you to ensure you have liability coverage that helps cover expenses related to out-of-court settlements, litigation and court rulings if your business is involved in a lawsuit.
As a business owner, general liability insurance will protect you from a variety of claims or unplanned accidents, including property damage and bodily injury. Our team will work with you to ensure you have liability coverage that helps cover expenses related to out-of-court settlements, litigation and court rulings if your business is involved in a lawsuit.
If you are a business owner, it is important to work with an insurance agency you can trust to help find you an insurance policy that will efficiently protect your needs. It is not uncommon for small business owners to have little time to focus on understanding any rate increases, or changes in coverage that come with insurance policies, which is why so many become over insured or underinsured. Contact Hudson-Silver Insurance Agency today to discuss your needs and identify any deficiencies in coverage and let us help you save money on your monthly premiums!