Business Insurance
Whether you are an established business looking for the best rates for your company's business insurance or have just launched a new business, W.A. George Insurance Agency can help you find the absolute best business insurance solution available. With over 100 A-rated carriers to choose from, rest assured that we will find you the protection you need at the best price available. Start saving on your business insurance today!
What Business Insurance do I need?
The answer depends on your particular business. Once we gather the appropriate information, the professionals at W.A. George Insurance will leverage our experience and resources to put together the right insurance solution for your company.
Commercial customers generally require some or all of the
following types of insurance coverage:
-
Commercial Property Coverage – covers the
assets and property of your business…and if you own the
property, can cover the building itself.
-
Commercial General Liability – You’d be horrified
if an accident occurred on your premises and even more
upset if anyone was hurt and you weren’t insured. Protect
yourself from this kind of eventuality or from an accident
resulting from the actions of an employee with commercial
general liability insurance. This type of policy also covers
damages that might occur to the property of others.
-
Business Automotive Coverage – Make sure any
vehicles used in the course of your business are covered by a
comprehensive business automotive policy. Just as you protect
your personal car and yourself with consumer automotive
coverage, it’s important to carry liability, medical and bodily
injury coverage for your business vehicles.
- Hint: Be sure to cover your business for uninsured and underinsured drivers with your commercial automotive policy as well!
-
Worker’s Compensation Coverage – If an employee is hurt on the job, you’ll use worker’s compensation insurance to cover their medical bills and part of their salary. In most states it’s required, so it’s not something you can afford to overlook.
Hint: Illinois requires this coverage.
-
Key Person Insurance – If your business relies heavily
on the knowledge and talents of a few key individuals consider
taking out Key-Person Insurance. In cases where your essential human resources die or become disabled, this kind of policy can help the business remain viable until another suitable
candidate can be found.
-
Commercial Excess Liability – High jury awards may
sound nice if you’re the one getting the money but if you’re the one paying out, this could mean the death of your business. This kind of supplemental policy covers liability over and above the amount covered in the standard commercial general liability policy, protecting your business from liability for
accidents that could be attributed to negligence – even if that
negligence takes place at the hands of one of your employees.
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