Business & Commercial Insurance
Business & Commercial Insurance Information
Competitive Business Insurance
Southern Indiana & Kentucky
Why is Business Insurance Important?
Business insurance is protection in case your business is sued for bodily injury, property damage, or personal injury. If you don't have business insurance, then any claim, including legal fees, would have to be paid out of your pocket. Having liability insurance in your business name protects your business financially.
Unfortunately, the chances of being sued or involved in lawsuit have dramatically increased in the last decade. Even if a lawsuit is frivolous, or you are found to be not liable, without insurance you must pay your legal defense costs up front. This alone can destroy a business. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued, or held legally responsible, for an injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
What do I need to get Business Insurance?
To get a business insurance quote, provide details on the following:
-What does your business do?
-Do you need auto insurance as well?
-Do you have employees and need workers compensation?
-Is there any property in the business's name?
What is Workers Compensation?
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
A Little Extra to Think About...
We have several companies that have competitive business rates just for you.
We have an ACSR who specializes in business and commercial insurance. Don't hesitate to call or email Diana Andriot any time because she would be more than happy to help you. You can find more information about Diana by looking at our About Us page.
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Check out this cool video about why you need business insurance!