Commercial Insurance

Do You Own a Business?

Get the policy that is perfect for your business!

No matter what size business you own, ACCH Insurance Agency can find the commercial insurance policy that will give you the right amount of coverage. Creating a commercial insurance policy specifically designed around your business will ensure that you will be covered in any situation that may occur. You will have one less thing to worry about when you know that you are fully covered by a commercial insurance policy.

  • Builder’s Risk Insurance
  • Building Insurance (HOA, Condos, Motels & Apartments, including Vacant)
  • Business Owner’s Policy (Liability & Property Coverage)
  • Employer Liability
  • Protect all of your business assets!
  • General Liability Insurance (General Contractor & Artisans)
  • Flood Insurance
  • Professional Liability (E & O)
  • Workers Compensation

The Small Business Administration states: “While it may not seem so from the outset, as your business grows and takes on additional risk, business insurance quickly becomes a must. The problem is that many smaller businesses ignore the issue of insurance until it’s too late.”

All business can benefit from commercial insurance. Sole proprietors, partnerships, S-Corps and Corporations all need insurance and a common myth is an LLC protects you against any and all liability. Contact ACCH Insurance Agency and speak to a qualified insurance agent who can help you review your current business insurance, find out if you are paying too much for insurance or determine what type of commercial insurance policy you may need to purchase for your business.

Quick reference definitions of business insurance are below. What insurance do you think applies to you?

General Liability (GL) insurance provides vital insurance protection for your business. Also known as Business Liability Insurance or Commercial General Liability (CGL) insurance, it protects your business should injury or property damage occur to an individual(s) as a direct result of your business operations. Depending on the type of business you own and or operate, some clients may require a certificate of general liability before doing business with you.

A General Liability Policy commonly covers:

Bodily Injury – Injuries to individuals for which you are liable

Defense Costs – Lawsuits against your company regardless of fault

Medical Payments – A bodily injury that occurs during business operation

Personal & Advertising Injury – Claims of slander and libel that are not part of your businesses’ professional services

Property Damage – Damage to property

Property Insurance – Whether you own local commercial real estate or run a home-based business, property insurance protects your assets, equipment and furniture inside it.

Professional Liability Insurance – This type of insurance often protects against errors, malpractice and negligence to your customers. Some businesses are often required by state law to carry this insurance.

Product Insurance – This protects businesses that manufacture, distribute and retail products against any financial loss incurred as a result of a defect product that causes harm or injury. Product insurance can also added to a general business liability insurance policy.

Save money! Contact an agent at ACCH Insurance Agency to review your current commercial insurance policy. ACCH Insurance Agency agents can review your policy to determine if you can achieve a lower premium. Call ACCH Insurance Agency to receive an insurance quote for your business and commercial insurance!