Commercial insurance protects business owners and their assets from situations that may derail or harm their business. Commercial insurance policies cover many potential threats, including auto accidents, lawsuits, natural disasters, burglary, or theft.

Many people are unaware that there’s no umbrella insurance policy to cover a business completely. There are many options available, and each one works differently. For over 10 years, we’ve specialized in helping business owners just like you find the best options to keep their businesses fully protected. We can help you obtain any type of commercial insurance, including:

• Commercial Auto Insurance – Vehicles used for business must have their own insurance policies. Personal car insurance policies do not cover accidents relating to business. Commercial automotive insurance policies are essential if your business uses vehicles to perform operations – whether the vehicle is used on a routine or even an occasional basis.
• Commercial General Liability Insurance (CGL) – Bodily injury, property damage, personal injury, and advertising injury are covered with a CGL policy. This is a convenient, catch-all type of policy. In terms of liability, many businesses use these policies as a starting point for their insurance needs.
• Commercial Property Insurance – Commercial property insurance policies are very similar to homeowners policies. You’ll find similar covered events, such as fire, theft, and natural disasters. The difference is that the policy covers a commercial property instead of a personal one. If you operate your business from a physical location, a property insurance policy will be required.
• Workers’ Compensation – Employees who are injured on the job rely on workers’ compensation for lost income and medical expense coverage. Employers often require this type of coverage, and it typically covers both permanent and temporary employees.
• Business Owner Package (BOP) – This type of policy is ideal for small business owners. These policies cover a variety of needs. They often include vehicle, property damage, business income, property, bodily injury, and other types of basic insurance needs.

With our independent agency, business owners can conveniently compare quotes online. This option is valuable because it’s an easy way to save time and money. Business owners can receive multiple quotes from top-tier insurance companies all at once.

Whether you’re shopping for a new policy, you want another set of eyes on your existing coverage, or you’re starting a new business, we have the experience to make sure you’re not exposed to unnecessary risks. Give Limber Insurance Group a call! We can’t wait to learn more about your business needs, and we’ll get you several free quotes from our AAA-rated insurance carriers.