Business & Commercial Insurance
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Business & Commercial Insurance Information
Business owners can choose from numerous types of insurance to protect their companies. The coverage you select and its associated costs depend on your business’s size and type, your location and how many people you employ, among other factors. To discuss your business insurance needs, give the team at Fusion Insurance a call today.
What Is Business Insurance?
Business insurance is a term used to refer to the various policies a business may need to be adequately protected against the risks it may face.
Who Needs Business Insurance?
All businesses—no matter their size—should have a handful of basic insurance policies. The types of policies that may be needed will vary greatly depending on the business’s location, size and industry, among other factors. Fusion Insurance can help you select the appropriate insurance for your business’s needs.
What Insurance Should My Business Have?
Business insurance offers you comprehensive coverage since it bundles together numerous coverages. Common insurances that many businesses bundle include:
Commercial property insurance—This coverage can help you if your business experiences a loss such as a fire, explosion, burst pipe, storm or theft. This insurance may compensateyou for losses or damage to your building, leased or owned equipment and other property on the premises.
General liability insurance—This can cover expenses and attorney fees resulting from injuries or property damage claims for which your business may be legally responsible. General liability insurance may cover costs that accrue if an injured third party decides to sue your company. General liability insurance policies typically have four coverage elements:
Premises liability may cover you if a person not employed at your business becomes injured on your property.
Products liabilitymay cover you if a product or service causes injury to someone’s body or inflicts damage on a consumer’s personal property.
A personal injury is if your business inflicts physical, financial or mental damage to a third party.
Advertisement injuriescan be caused by alleged misinformation, copyright infringement or slander made by your business.
Employment practices liability insurance—This can cover wrongful acts that occur during the employment process, such as claims of discrimination, wrongful termination, sexual harassment and retaliation. This coverage may also reimburseyou for the costs of defending a lawsuit in court and for judgments and settlements.
Workers’ compensation—This type of insurance is required in most states and may be used to cover medical bills or wage replacement for employees who experience a work-related injury.
Cyber liability insurance—This can protect your business from a cyber attack or interruption that can cause a loss in data, revenue and trust between you and your customers.
Commercial auto—This type of insurance may help cover the costs of an auto accident if you or an employee is at fault. This coverage may help pay for damaged property and medical expenses.
Professional liability insurance—Also known as errors and omissions (E&O) insurance, this can protect your business against claims that a service you provided caused a client to suffer due to a mistake on your part or because you failed to perform a service.
How We Can Help
Having the right insurance coverage is something every business needs. Fusion Insurance can help you choose the coverage that provides the best protection for your business. Call us today at 844-7FUSION to get started.