At Allen Insurance Agency in Ramseur, NC, we offer commercial insurance to protect your business. Before purchasing commercial insurance, it’s important to understand the different types.
Types of Commercial Insurance
Commercial Property Insurance
Commercial property insurance provides coverage for your place of business and any structures that you use as part of your business or operations. This includes stores, manufacturing centers, warehouses, and offices.
Commercial property insurance covers damage to the building and your property within the building.
General Liability Insurance
General liability insurance protects your business from liability. This includes injuries that occur on your property and any damage to a customer’s belongings while at your business.
It also covers reputational harm, including libel, slander, and false prosecution, and copyright infringement.
Worker’s Compensation Insurance
If you have three or more employees in North Carolina, you are required to have worker’s compensation insurance. If an employee is injured on the job, this policy will cover lost wages and medical expenses.
Business Interruption Insurance
Business interruption insurance can help save your business in the event you can’t operate for a period of time. If your business is halted because of a covered event, this policy will cover the income you lose until you are up and running again.
An example of this is not being able to open your store due to storm damage or vandalism.
Business Owner’s Policy
A business owner’s policy allows you to bundle several types of policies. It typically includes commercial property insurance, general liability, and business interruption insurance.
Cyber Insurance
Cyber insurance, also known as data breach insurance, covers your liability if a customer’s personal information is compromised.
Reach Out To Us
If you need commercial insurance in Ramseur, NC, contact us at Allen Insurance Agency. We offer many types of commercial policies to meet all your insurance needs.
