What Exactly Is Covered By Commercial Insurance?

Your business in Ashland, KY needs to have commercial insurance. An accident or disaster can happen at any time. If you’re not prepared, you could end up spending thousands of dollars to make repairs or cover injuries.

Commercial insurance can vary significantly from policy to policy. Generally, it covers liability. This includes what would happen if someone were to injure themselves on your property as well as if one of your employees damages the property of someone else. Beyond liability, there may not be anything else covered by your commercial insurance policy.

At Sharp Insurance & Financial Services, we help businesses to find the right protection. We can talk to you about commercial auto insurance, commercial property insurance, and even business interruption insurance. This means that you can be covered against more situations that may impact your business.

If there is a fire inside your property, you have to look at various aspects. It may damage your commercial property, eliminate your product inventory, and prevent your business from opening for several weeks. If you file an insurance claim, you want to make sure that everything will be taken care of. However, the insurance company will only provide coverage in the areas where you actually have coverage. It is why it is so critical to have a comprehensive commercial insurance policy.

It doesn’t have to be expensive, either. One of the biggest reasons why many businesses lack the necessary insurance is because they make assumptions on premium costs. However, it is going to be better to have more coverage than not enough.

There are plenty of ways for you to protect your business in Ashland, KY. Be sure to contact us at Sharp Insurance & Financial Services to learn about how commercial insurance can be customized to meet the individual needs of your business.