Types of Commercial Insurance You May Want to Consider

If you are running a business, you have a lot to lose if something happens. Not only could you lose your business, but you may also lose your home. Because of this, you need to have enough insurance to cover anything that could happen. 

So, what types of commercial insurance do you need? Here are some of the most common ones. 

General liability. This insurance will protect your business if someone is hurt on your property. It will also protect you if some property is damaged while you are meeting with your clients. Even if you meet with a client at another location, your business could be held liable if your client gets hurt. 

Commercial property.  This insurance will protect your office and everything that you have in it, such as your computer equipment, furniture, and more. 

Business income. This is an optional insurance option, but it is one that you may want to consider. It will help you protect your business if you have to close your doors temporarily. It will help you to pay your bills while your business is shut down. 

Errors and omissions insurance. This is helpful insurance in case you end up making a mistake that could cost your customer money.

Data breach insurance. If you handle sensitive information, you may want to carry data breach insurance. This will cover you if anyone steals your client’s information. 

If you own a business, you are going to need general liability and commercial property insurance. However, you may also want to carry business income and data breach insurance so that you are protected. 

If you want to make sure that your business is fully protected, don’t hesitate to contact us today at Colling Insurance Services Inc. in Lakewood, CO.