If you own a business, you need commercial insurance. However, knowing which policies are right for you can be daunting. We offer commercial insurance policies at Colling Insurance Services in Lakewood, CO.
1. General Liability Coverage
General Liability insurance protects you from liability claims. General liability covers the costs if your product or service injures someone or damages their property.
You are also covered for false advertising, copyright infringement, and slander. Most policies also cover your legal expenses if you are sued.
2. Commercial Property Insurance
Commercial property insurance is similar to a homeowner’s policy. It covers the structure of your building and its contents.
Even if you lease your space, this type of policy is essential. You probably have expensive equipment or inventory. Commercial property insurance covers these items as well. If your manufacturing center, storefront, warehouse, or office is damaged, you’ll have the money to repair or replace the property.
3. Business Interruption Insurance
It would be best to have business interruption insurance, particularly for small- to medium-sized businesses. If you are unable to open your business for days or weeks, this will seriously affect your bottom line.
Business interruption insurance is designed to cover the losses of being unable to open your business due to covered situations, including fire or plumbing issues.
4. Worker’s Compensation Insurance
If you have one or more employees, you are required to have worker’s compensation insurance. If an employee is injured on the job, this policy will cover their medical expenses and lost wages while they recover.
Commercial Insurance at Colling Insurance Services Inc.
If you need commercial insurance in Lakewood, CO, contact us at Colling Insurance Services Inc. Our agents help you select the best policies for your business so you are fully protected.