Commercial Insurance
You've worked hard, planned, saved, and dreamed of making your business a reality. Whether you are just starting your journey as a business owner or have been at it for years, you know you need to protect your assets and investments. No matter your business size, you need commercial insurance to protect it, and Bald Guy Insurance is your number one source.
WHAT IS COMMERCIAL INSURANCE?
Commercial insurance protects your business from a variety of liability scenarios. Theft, employee injury, product liability, lawsuits, and more; so many unexpected things can happen as a business owner, and you have to be protected. Your business may be able to absorb a small incident such as theft or minor damage, but lawsuits, employee or customer injury, or a product liability suit can wipe out everything you have worked so hard for. Don't let that happen!
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COMMERCIAL INSURANCE VS. BUSINESS INSURANCE
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This is a case of two terms that mean essentially the same thing. Business insurance is insurance for your business. Commercial insurance is insurance for your business. End of story!
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COMMON TYPES OF COMMERCIAL INSURANCE
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While the terms business and commercial insurance are the same, they are an umbrella term for various insurance types. You must get the right coverage for your commercial insurance needs. The good news is that the insurance agents at Bald Guy Insurance can help you! And they’ve already lost their hair, so you don’t have to, making them the Smooth Choice.
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GENERAL LIABILITY INSURANCE
Just as the name suggests, general liability coverage is overall protection against claims that your business has caused bodily injury or property damage on the property of your business. For example, you are covered if someone slips and falls or your forklift decides to careen into someone's brand-new truck.
While general liability insurance offers coverage for various scenarios, it is not all-encompassing and does not offer protection for every issue your business could encounter.
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PRODUCT LIABILITY INSURANCE
If your business type offers products to the public, you must have product liability insurance. This essential business insurance protects you if your product causes any injury or damage. While you may think this could never happen to you, it could. Ask a certain fast food restaurant that serves hot coffee.
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PROFESSIONAL LIABILITY INSURANCE
Professional liability coverage offers protection from things a business might do or not do that cause harm. This can include claims of negligence or damage. For example, you need this insurance if you provide client services that include professional advice. If you offer client services of any kind, you need this insurance. Yes, the client did ask for pink hair. But not that particular shade. She wanted a different pink.
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COMMERCIAL PROPERTY INSURANCE
Whether you own or rent your commercial building, commercial property insurance is what you need to protect it. Not only does this coverage protect the building itself from damage, but also what was inside it. Your tools, stock, or other property are your assets; replacing them can be expensive. Don't leave yourself unprotected.
HOME-BASED BUSINESS INSURANCE
If you run your business from home, don't think your homeowner's policy will cover your business. Most homeowner policies exclude any business exposure on a standard policy. You must ensure additional coverage for damages to inventory, tools, and equipment or cover other damages or situations.
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BUSINESS OWNER'S POLICY
A business owner's policy (BOP) is a package that includes multiple types of commercial insurance. For example, it may combine general liability insurance and product liability insurance. By bundling these together, you can save money and streamline your insurance process.
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GET A COMMERCIAL INSURANCE QUOTE FROM BALD GUY INSURANCE TODAY!
Bald Guy Insurance wants you to protect your business so you won’t lose all your hard work (and hair). Commercial insurance doesn't have to be complicated. Make the smooth choice and contact us today to get started. We offer comprehensive commercial insurance for your business, big or small.
