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When you open a business, you expose yourself to several risks that make running a business more challenging. Since you automatically become responsible for your business, employees, and customers, you need to have commercial insurance to protect yourself against those risks. That is why The Daley Agency explains to you the different types of commercial insurance you can choose for your business.
Product liability insurance provides coverage against claims for property damage and personal injury caused by a product or service offered by your business. Note that you are still liable even if you did not make the product but sold it or distributed it.
This type of commercial insurance provides coverage against potential medical bills or any legal fees arising from a customer getting injured at your workplace due to the negligence of your employees or you. It also covers repairs or replacement costs if the customers' property is damaged while at your premises.
In Pennsylvania, you are required by law to have workers' compensation insurance as long as your business has employees. This policy protects your business against a financial loss by covering employees' medical bills resulting from an injury they got at the workplace. Also, should the employee decide to sue, the insurance can cover the legal fees.
This type of insurance covers your building plus the contents against risks like fire, theft, vandalism, or a natural disaster.
If your company owns cars, you need this type of policy. After an accident, commercial auto coverage provides compensation for the driver's medical bills and the vehicle's repairs resulting from the accident.
This type of commercial insurance provides coverage to you and your business if you make a mistake that ends up costing your customer. It is common among businesses that offer consultation services like financial advisors.
If you reside in Pennsylvania, protect your business today by contacting The Daley Agency. We are ready to help you choose the right coverage for your business.
