Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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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 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:
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:
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
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.
Every business is different. Speak with a Ted Hamm Insurance agent about what type of insurance is best for your business.
Most businesses are required to carry a certain amount of workers compensation and commercial auto insurance. Requirements vary per state, however.
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