Business Insurance
Carriage Insurance is here to provide you with the right coverage for your specific business needs. When you have a business there is always risks, but we want to help you be prepared for those risks Our insurance advisors can help you discover gaps in coverage, and find ways to save you money and keep your assets and financials protected.
What is business insurance?
Business insurance is a type of insurance that protects businesses from financial losses caused by unexpected events. These events can include property damage, liability lawsuits, and employee injuries.
Business insurance is important for businesses of all sizes, as it can help to protect them from financial ruin. Without business insurance, businesses would have to pay for these losses out of pocket, which could put them out of business.
There are several types of insurance options that can help protect the business you've built. They can help protect your business from, property damage, legal liability, and employee-related risks
Choose the best types of business insurance
Business Property Insurance
Business property insurance, also known as commercial property insurance, protects your physical assets, such as your building, equipment, and inventory.
Data Breach Insurance
Data breach insurance, (or cyber insurance) helps cover the costs of lawsuits and other expenses related to a data breach. If you collect, store, send or receive customer information, it's important to protect against cyber risks.
Commercial Auto Insurance
Commercial auto insurance protects your business from financial losses if you or your employee is responsible for a car accident. If you or any of your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important.
General Liability Insurance
This coverage can help protect your business and its assets in the event of a lawsuit for things such as negligence, bodily injury, property damage or libel and slander.
Professional Liability Insurance
Professional liability insurance helps protect you and your company if you're found negligent in the professional services you provided to a customer, even if you didn't make a mistake.
Business Owners Package
Most state laws require you to carry this insurance to help compensate employees for expenses associated with any work-related injuries or illnesses like medical bills, and lost wages.
Many business owners begin with a Business Owners Policy (BOP), because the three essential coverages it has protect businesses from common claims. A BOP includes:
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General Liability Insurance, which protects businesses from financial losses caused by third-party lawsuits.
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Commercial property insurance, which protects businesses from financial losses caused by damage to their physical assets.
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Business income insurance, which helps cover lost income and additional expenses if your business is unable to operate due to a covered loss.
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