Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
A business is a huge investment. It takes time, dedication, hard work and resources. Protecting your investment is just as important as other parts of your journey.
Nolan Family Insurance Agency serves to bring your business protection through affordable insurance policies and fantastic customer service. Our experienced agents will compare quotes and work with you to find the best policy for your company.
What Does Business Insurance Cover?
There are many types of insurance available for businesses across industries and specialties. Some of the most common and important business insurance types include:
General liability insurance covers accidents of non-professional negligence that may cause bodily injury or property damage on your business’ property. This insurance can help cover a guest’s medical bills if they are injured on your property as well as protect your business from a lawsuit.
General liability insurance also covers personal and advertising injury. This covers claims against your business regarding copyright infringement, malicious persecution, libel, slander and more.
Umbrella Liability Insurance
Umbrella liability insurance serves to fill in gaps left by your other liability insurance. For example, if your general liability policy reaches its limit for a single claim, umbrella liability insurance can step in to cover the remaining balance. This can also help with the liability insurance on your business’ commercial auto insurance policy.
Commercial auto insurance covers vehicles used or borrowed by the business for work purposes. This insurance can cover damages to the commercial vehicle, medical payments for the driver and their passengers, as well as liability in the event the driver causes bodily injury or property damage to someone else. A full-coverage commercial auto insurance policy may include:
- Comprehensive Coverage
- Collision Coverage
- Personal Injury Protection
- Uninsured/Underinsured Motorist
You may also need Hired or Non-Owned Auto for vehicles that are borrowed but not owned by the business.
If you employ workers, you will need workers compensation to protect them. Workers compensation provides assistance if an employee is injured in an accident while on the job. This insurance can cover medical payments, wage replacement, disability benefits and, in extreme cases, death benefits.
Protect Your Business Today
Protect your hard work with the policy is deserves at the price you want. Call Nolan Family Insurance Agency at (941) 639-1122 or fill out an online quote form to get started.
Common Business Insurance Questions
Most small businesses invest in a business owners policy. This insurance policy combines important coverages for small businesses in low-risk industries. These policies are flexible, as well, allowing you to add coverages as you need them.
LLCs need a large amount of liability insurance in order to keep you safe. If you have employees, you may also need workers compensation coverage.
Most businesses fail within the first five years of operation due to a lack of funds. A single uncovered accident could cost your business thousands or even millions of dollars, sending you into debt. Business insurance helps protect your assets so your business can keep running
Your business’ insurance needs may differ than another’s, even in the same industry. Carefully consider the risks your business faces as well as the value of items and assets you wish to protect. Speak with a Nolan Family Insurance Agency agent at (941) 639-1122 to discuss your coverage options.