As a small business owner, it’s imperative you have commercial insurance coverage to protect your investment. You never know when an accident will occur that can result in you being liable for injuries, property damage or loss of inventory. The following coverage is a must for small business owners in Georgia.
Property Insurance
Property insurance covers loss or damage of your business property such as furniture, inventory, equipment, etc. due to fire, theft or storms. This coverage protects you from having to pay for these expenses on your own. By discussing coverage options with one of our agents at Peter Laczko Insurance Inc. you can learn more about how to protect your property.
Liability Insurance
If your small business receives customers, you’ll need liability insurance. Liability coverage pays for medical expenses of visitors who accidentally get injured on your business property. Liability coverage will also protect your business from charges of negligence or mistakes made by employees that cause customers harm. If you manufacture or sell a product, product liability insurance will protect you from lawsuits in the event a defective product causes damage or harm.
Workers’ Comp Insurance
Worker’s compensation insurance is essential to protect your employees in the event of an accident. Whether you have several employees or a dozen, you shouldn’t neglect this valuable coverage. Worker’s comp covers medical expenses for injuries your workers sustain on the job as well as disability and/or death benefits if the accident results in serious injury or a worker’s demise.
Commercial insurance will protect your business assets so you can use your finances to grow your company. At Peter Laczko Insurance Inc. we can help you acquire the commercial insurance coverage best suited for your small business. Contact us today for all your business insurance needs.
