Commercial Insurance

Whether you’re a small business owner, a contractor, or run a larger enterprise, commercial insurance can help protect your business assets, employees, and operations from certain risks — depending on policy type and coverage choices.

Licensed agents can help you understand which coverages may apply based on your business type, size, and needs.

Common commercial insurance coverages

• General liability insurance: Helps protect your business if you are held liable for bodily injury or property damage to others arising from your business operations.
• Commercial property insurance: Covers physical assets of your business, such as buildings, equipment, inventory, and furniture, in case of damage or loss from covered events, subject to policy terms.
• Business income / business interruption insurance: May help cover lost income and ongoing expenses if your business is disrupted due to a covered loss under the policy.
• Commercial auto insurance: If your business uses vehicles, this insurance may help cover business-use vehicles for liability or damage under certain terms.
• Workers’ compensation / employee liability (where available): Helps protect your business and employees in case of work-related injuries or liabilities, depending on state and policy.
• Professional / errors & omissions insurance (for certain services): Helps protect service-based businesses or professionals against claims of negligence or professional mistakes, depending on coverage offered.

What affects commercial insurance cost

• The type and size of your business (e.g. small business, retail, services, contract, etc.).
• The assets and property you want insured — buildings, equipment, inventory, vehicles, etc.
• The nature of your business operations, industry, and level of liability or risk involved.
• Coverage types, limits, deductibles, and optional add-ons you choose.
• Your claims history, employee count (if applicable), and any risk-mitigation measures your business maintains (like safety protocols, security systems, etc.).

How GetMyPolicy.app can help

By submitting your business information, a licensed insurance agent may contact you to discuss commercial insurance options available from participating companies. They can:

• Review coverages relevant to your business, such as liability, property, business income, or auto coverage.
• Compare offers from multiple insurers to find coverage that fits your business needs and budget.
• Explain policy terms, exclusions, and any special conditions that may apply to your business type or operations.