Your personal insurance policies most likely won’t cover your business activities. Commercial insurance can protect you from the risks you face as you operate a business, whether it’s part-time, home-based, or even bigger.
Commercial insurance is one of the most important ways you can protect your business from financial loss from unexpected and unforeseen events. If you’re the sole proprietor of a business, commercial insurance may go even further and protect your personal assets, too.
Home-Based Business Insurance
When you operate a business out of your home, either full-time or part-time, your homeowner's insurance may not offer you enough coverage. Most homeowner’s policies don’t cover business-related liability, for example. If a customer or supplier is injured at your home, for example, your homeowner’s policy generally won’t cover the injury claim since the incident involved business activities. And if a fire destroys the inventory or supplies you keep in the garage, your homeowner’s policy may only cover the loss up to a certain dollar amount.
We can help you determine how much business insurance coverage you need to protect you from the unexpected events, such as fire, theft, injuries, or accidents, which could lead to major financial losses for you and your business.
What Does Commercial Insurance Cover?
We can help you find the perfect commercial insurance coverage to fit your exact business needs. Most businesses benefit from having one or more of the following commercial policies:
Commercial General Liability
Commercial general liability insurance provides basic coverage for the risks most commonly associated with business activities, such as lawsuits from bodily injury or property damage to others.
A personal auto policy generally won’t cover you if you are using a personal auto for business activities. Commercial auto insurance is there in the event you’re at fault in an accident while picking up business supplies, delivering goods to customers, or transporting work materials while driving your own vehicle.
Commercial property coverage protects your business assets, such as the building where you operate, and the inventory, supplies, and other business investments you keep there.
What Kind of Commercial Insurance Do You Need?
Every business is different, and your commercial insurance may be just as individualized. We can help you choose additional commercial coverage to protect your assets from the specific risks you face based on your specific business activities, including: Professional Liability, Business Owner Policy (BOPs), Specialty Insurance Programs, and Business Health Insurance.
Get Commercial Insurance Today
Bodenstein Insurance offers commercial insurance coverage for almost any type of business. When you need more than just personal insurance to protect you against the risks of doing business, we can help.
We work with top-rated, major insurance carriers to offer commercial insurance solutions for nearly every kind of business. Call us today at (775) 782-3030 or complete the form below to get a quote for your exact commercial insurance needs.