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Agency Blog

Advantages of Having Commercial Insurance in Your Businesses

3/8/2021

2 Comments

 
Picture
​Having commercial insurance has its benefits. It protects the business against sudden problems like theft, property damage, liability, worker's compensation, injuries, or business accidents. Commercial insurance lessens the concerns the potential business associates might have. 
What is Commercially Insured?
It is commercially insured when the business is protected from all the unforeseen problems that may happen as long as the insurance coverage is in force. Insurance policies will cover the company at all times, no matter the issues it faces. The amount of coverage to pay depends on the commercial insurance that the business has. 

Benefits of Commercial Insurance
Owning a business always comes with underlying risks. Employees can get injured in the business line, clients can file lawsuits in case of damages, and natural disasters happen any time. For these reasons, having commercial insurance is essential. Below are the top advantages of being commercially insured.
  1. Prevents The Downfall of the Business
    In case of a natural disaster, theft, or fire, commercial insurance helps businesses start over. The business owner's insurance will also help in covering income loss.

  2. Demonstrates Responsibility
    Having commercial insurance shows the customers that the business is willing to assume responsibility if they are liable for an accident. It demonstrates that the company protects their customers' best interest as well as their business.

  3. Protects the Employees
    The most valuable asset a business can have is its employees. While the products, properties, and equipment are also essential, these are not possible without the employees. Protecting the employees is a crucial step that every business must take by getting workers' compensation insurance. Being commercially insured attracts and retains qualified employees.

  4. There is Always a Possibility of a Claim
    In the present world, people get sued left and right. A single accident can make a business go down. In case the company was to win the lawsuit, the legal defense cost can drag the whole company into a shamble. Having commercial insurance can save the company from trouble, and it can continue to run without worries.

  5. Increases Client Contracts
    Although commercial insurance isn't usually required by law, clients often consider it a requirement before working with a business. Clients don't want to be liable for the business's mistakes. They want to avoid a claim, thus having higher safety standards. Ultimately, being insured encourages trust that can lead to new business opportunities. 

At Brad Spurgeon Insurance Agency Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (409) 945-4746 or Click Here to request a free quote.
2 Comments
Eli Richardson link
1/24/2023 07:50:27 am

I have a cousin who's opening a small coffee shop this fall, so he's currently working on his business plan. I liked what you mentioned about commercial insurance and how it helps show your customers that you're a responsible business owner, so I'll email this to my cousin right away. I appreciate your information on commercial insurance and how it protects your customers' best interests.

Reply
Luke Smith link
2/3/2023 03:54:36 am

It's great that you pointed out how commercial insurance could help businesses start over in case of a natural disaster, theft, or fire. I was skimming through an entrepreneurial book while waiting for an appointment the other day and I remember seeing one chapter that stressed about the importance of insurance. It looks like there are a lot of perks to it, which is why companies have it.

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