Great Commercial Insurance Options for Your Business
Get the Right Insurance to Protect Your Business
1st Choice Insurance Services offers insurance packages that are perfect for a number of different types of businesses. Whether you need insurance for your building, business property, equipment, inventory or your company vehicles, we have excellent insurance options available to help protect your business. We also offer group health and retirement plans for your convenience.
Commercial Property Insurance
Property insurance helps you cover the risk of property loss in a wide range of commercial situations. Property that can be covered can include your commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and a variety of other physical items.
Two types of property losses that commercial insurance can help cover are:
Direct losses incurred for property that is lost, stolen, damaged or destroyed
Indirect or consequential losses that are related to your direct losses can also be covered by some policies
Commercial General Liability Insurance
Casualty insurance primarily consists of liability coverage which is established to protect you and your business against injury or damage claims made by other parties. These policies provide coverage for liabilities in a number of situations, including:
Premises and operation
Fire damage liability or damages caused by fire to premises rented to the insured
Personal and advertising injury
Products or completed operations
You can also consider business owners' package policies which combine liability, property and other types of coverage into one policy. Business owners' package policies can also help you save money and time on your complete insurance program. And, because we live in an age of million-dollar lawsuits, you can also purchase extra liability coverage in the form of a commercial umbrella policy.
Business Auto Insurance Options are Also Available
Business auto coverage can help you insure vehicles that you own, lease, hire or borrow for your business, regardless of what type of business you operate. Business auto coverage is also commonly used for insuring private passenger vehicles and all types of trucks, trailers, semitrailers and other commercial vehicles that were designed for use on public roads.
Workers' Compensation Coverage
Workers' compensation coverage is offered to cover the possibility of bodily injuries and diseases that happen as a result of a person's employment. Coverage options help you prepare for the possibility of accidental bodily injury and even death resulting from a workplace accident. Only occupational diseases, which are unique to one's occupation are covered by these plans.
Workers' compensation provides for the payment of four major types of insurance benefits:
Our team at 1st Choice Insurance Services can provide you with all of the necessary details on workers' compensation insurance and recommend the most cost-effective ways to control these expenses through safety engineering and convenient claim services.