Commercial/Business Insurance

Commercial insurance (also called business insurance) is insurance designed to protect a business, not an individual. It helps businesses manage financial risks related to things like:

• Property damage

• Lawsuits and legal claims

• Employee injuries

• Vehicle accidents

• Cyber attacks

• Business interruptions

Instead of protecting a person’s home or car, commercial insurance protects a company’s operations, assets, employees, and income.

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Common Types of Commercial Insurance

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General Liability Insurance
Commercial Property Insurance
Business Owner’s Policy (BOP)
Workers Compensation Insurance
Commercial Auto Insurance
Professional Liability (Errors & Omissions)
Cyber Liability Insurance
Product Liability Insurance

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Commercial insurance can cover *almost every industry*, including:

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🏪 Retail & Small Businesses

* Clothing stores
* Grocery stores
* Convenience stores
* Online shops

🏗 Construction & Trades

* Contractors
* Electricians
* Plumbers
* Roofers

🍽 Food & Hospitality

* Restaurants
* Cafes
* Food trucks
* Caterers

🏥 Healthcare & Wellness

* Clinics
* Home health agencies
* Therapists
* Medical offices

🏢 Professional Services

* Accountants
* Consultants
* Marketing agencies
* IT services

🚚 Transportation & Logistics

* Trucking companies
* Delivery services
* Rideshare fleets

🏭 Manufacturing & Industrial

* Factories
* Product manufacturers
* Warehouses

🏘 Real Estate & Property Management

* Landlords
* Property managers
* Apartment complexes

🎓 Education & Nonprofits

* Schools
* Daycares
* Churches
* Nonprofit organizations

💻 Technology & Media

* Software companies
* App developers
* Digital marketing firms

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Why Businesses Need Commercial Insurance

Commercial insurance helps businesses:

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* Stay financially protected
* Meet legal or contract requirements
* Protect employees and customers
* Continue operating after losses

Without insurance, a single accident or lawsuit could shut down a business.