Commercial insurance plans protect your business. You don’t want anything to happen that would cause you to spend more money than necessary. Unfortunately, life in Milwaukee, WI can be unpredictable. The last thing you want to deal with is someone getting injured on your property, an employee slipping and falling, or a commercial vehicle accident. With the right commercial insurance plan, you can be covered against virtually anything that can happen.
There’s no one-size-fits-all commercial insurance plan. At Dern & Company, we can assist you in creating a plan that works best for your business.
The average commercial insurance plan references liability. It protects your business if someone gets injured on your property or if one of your employees damages someone else’s property. If something like this happens, you can file a claim with the insurance company. You would only be financially responsible for the deductible.
Liability alone may not be enough insurance for all that you have going on. This is when you may want additional policies to protect your business in Milwaukee, WI. If you have commercial vehicles, you need commercial auto insurance. If you have a certain number of employees, the state will require you to have workers compensation. You may also want to look at business interruption insurance, ensuring that you can get compensated for lost sales while you recover from a disaster.
It’s important for a commercial insurance plan to work for you. Without sufficient coverage, you’re left vulnerable to what could happen. As such, it makes sense for you to have a plan built that focuses on your individual needs. Further, you want your plan reviewed annually because things can change inside of business from year to year.
You don’t have to figure out what coverage you should have on your own. Contact us at Dern & Company so that one of our independent insurance agents can help you every step of the way.