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Home > Business Insurance | Paso Robles, CA | Ted Hamm Insurance

Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Business Insurance Quote Form

Business & Commercial Insurance Information

Businesses face a wide array of risks from conception to operation, which is why business owners turn to Ted Hamm Insurance for comprehensive policy. With our strong insurance background and dedication to building lasting relationships, we will ensure that you experience exceptional service while finding an insurance policy tailored for you and your business.

What Does Business Insurance Cover?

There are several types of insurance available for your business, depending on the industry and your needs. The main types of commercial insurance include:

Liability

Liability insurance primarily deals with claims filed directly against your business or employees. This type of insurance can cover legal expenses in the face of a lawsuit such as court fees, defense costs or settlement expenses.

General Liability Insurance is one of the most common liability insurance policies. This covers bodily injury, property damage and personal or advertising injury someone else may suffer. If someone is injured in your restaurant, for example, general liability insurance can help with the victim’s medical bills as well as protect your company from a lawsuit.

Additional liability insurance options include:

  • Bonds
  • Fidelity Bonds
  • Builders Risk Insurance
  • Commercial Umbrella Insurance
  • Crime Insurance
  • Cyber Liability Insurance
  • Errors and Omissions Insurance
  • Liquor Liability Insurance

Commercial Property Insurance

Commercial property insurance covers the physical assets of your business in the event they are lost or damaged due to fire, wind, hail, lightning, smoke, theft or vandalism. A basic commercial property insurance covers the physical location of your business and its contents, as well as attached structures. There are different types of property insurance to cover different areas of your business, however.

Commercial Auto Insurance provides coverage for vehicles used or owned by a business for work purposes.

Additional property insurance options include:

  • Box Truck Insurance
  • Business Catastrophe Insurance
  • Cargo Insurance and Freight Insurance
  • Equipment Insurance
  • Inland Marine Insurance
  • Mechanical Breakdown Insurance

Workers Compensation Insurance

Workers compensation insurance covers employees who are injured on the job. If one of your employees is injured while working, workers compensation insurance can help cover their medical bills or wage replacement. This insurance is required for many businesses.

Protect Your Business with Ted Hamm Insurance

Protect your hard work today. Call Ted Hamm Insurance at (805) 238-1818 or fill out an online quote form to get started.

Common Business Insurance Questions

How Does Business Insurance Work?

As with other insurance options, you can pay for business insurance through monthly premiums. So long as you have coverage, you can file a claim for damages and losses your business may suffer.

What Business Insurance Do I Need?

Every business is different. Speak with a Ted Hamm Insurance agent about what type of insurance is best for your business.

What Business Insurance Is Required by Law?

Most businesses are required to carry a certain amount of workers compensation and commercial auto insurance. Requirements vary per state, however.

Why Is Business Insurance Important?

Without business insurance, you could face extensive financial issues due to one claim or accident. Business insurance helps protects your assets so you can focus on recovering and moving forward after a disaster.

Other Coverage Options

  • Accounting Firm Insurance
  • Business Owners Policy (BOP)
  • Car Dealership Insurance
  • Catering Insurance
  • Cleaning Business Insurance
  • Commercial Real Estate Insurance
  • Construction Insurance
  • Consulting Firm Insurance
  • Contractors Insurance
  • Convenience Store and Gas Station Insurance
  • Craft Brewery Insurance
  • Dental Practice Insurance
  • Dump Truck Insurance
  • Educational Facility Insurance
  • Fleet Insurance
  • Food Truck Insurance
  • Garage Insurance
  • Group Health Insurance
  • Handyman Insurance
  • Individual Life Insurance
  • Insurance for Arborists
  • Law Firm Insurance
  • Life Science Insurance
  • Livestock Insurance
  • Loss Control Insurance
  • Maintenance Contractors Insurance
  • Manufacturing Insurance
  • Manufacturing Insurance
  • Marine Insurance
  • Non Profit Insurance
  • Nursing Insurance
  • Personal Trainer Insurance
  • Pharmacist Insurance
  • Pool & Spa Insurance
  • Printers & Publishers Insurance
  • Product Liability Insurance
  • Professional Liability
  • Real Estate Insurance
  • Restaurant Insurance
  • Retail Insurance
  • Retiree Health Coverage
  • Self-Storage Insurance
  • Septic Contractors Insurance
  • Shipping Insurance
  • Small Business Insurance
  • Small Business Liability Insurance
  • Specialized Truck Equipment Insurance
  • Specialty Trade Contractors Insurance
  • Storage Insurance
  • Surety Bonds
  • Technology Insurance
  • Technology Services Insurance
  • Tow Trucks Insurance
  • Tractor Insurance
  • Trailer Insurance
  • Transportation Insurance
  • Trucking Insurance and Semi Truck Insurance
  • Van Insurance
  • Veterinary Insurance
  • Vineyard Insurance
  • Vineyard & Winery Insurance
  • Water Well Drillers Insurance
TedHamm Insurance

1503 Park St.
Paso Robles, CA 93446
Ph: (805) 238-1818
Fx: (805) 238-5234

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