Business Insurance Covers Your Risks
Business insurance can be complex, and it takes an experienced insurance agent to help you get the right commercial coverage for your enterprise. You need an agent who can provide not just one portion of your business insurance needs, but all of your commercial coverage, from commercial vehicle insurance to professional liability coverage to workers comp.
An independent agent in the Trusted Choice® network who specializes in business insurance can do just that. Unlike captive agents who provide specific coverage from one insurance company, independent Trusted Choice member agents work with many carriers. These agents can meet all of your commercial insurance needs, even when you need specialty coverage or several different policies from different carriers.
Independent agents handle over 50 percent of commercial insurance policies in existence today and are located in over 27,000 offices nationwide. Contact a local member agent in your area today to get help with your entire business insurance portfolio.
Top Risks Businesses Face
Property damage from fire, storms, and accidents
Liability in many forms, including product liability, accident/injury liability, libel, malpractice and professional liability or “errors and omissions” risks
Fraud, embezzlement, extortion
Cyber-crime and data loss
Every company, large and small, has unique risks. Some have workers who operate heavy machinery or drive vehicles while on the job, while others serve food and alcohol or handle toxic substances. Doctors and hospital staff handle patients, body fluids, sharp needles, and equipment. Some employees handle sensitive documents, data, or money, potentially opening the door to business fraud. For this reason, every company needs commercial insurance coverage specifically matched to the risks of the enterprise.Determining your risks and making sure you have the right commercial insurance in place requires an evaluation of a wide range of factors, including:
Your business needs
How you serve your customers
How many employees you have on staff
The materials or substances those employees handle
Whether your employees drive in the course of their work
The safety of your building, equipment, and processes
The security of your data and intellectual property
Risks facing your corporate officersTo assess your business insurance needs, start by contacting an independent agent in the Trusted Choice network who specializes in commercial insurance. These agents can fully address every aspect of your business coverage and help to ensure that you do not have gaps that could leave your business exposed to financial risk.