When you’re operating a business in Chandler, AZ, it’s important to understand what kind of insurance options are available to you. Commercial insurance encompasses a variety of coverage options, including liability insurance.
At San Marcos Insurance Group, we can work with you to make sure that you have the right coverage for your business.
What is liability insurance?
Liability insurance protects your business in the event that something happens. You’re liable for what happens on your property. You’re also liable for what your employees may do when they’re on the job, whether they say something that costs someone money or they damage someone’s property while they’re providing a service.
If someone were to sue as a result of what your company did wrong, you could end up spending a lot of money. The liability coverage protects you to prevent this from happening. The only thing you would be responsible for is the deductible.
What is commercial insurance?
Commercial insurance encompasses all of the different policies that may be needed for your business. This includes not only liability insurance but also commercial property insurance, commercial auto insurance, business interruption coverage, and even worker’s compensation insurance.
What you need for your business is unique to what happens throughout the day as well as what you own. If you work out of your home, you might still need commercial property insurance since homeowner’s insurance won’t cover enough. The best thing to do is talk to an agent in order to learn the best way to protect your business. Since every business is unique, there’s no one-size-fits-all answer for what kind of commercial insurance you need.
Call us at San Marcos Insurance Group today to learn how to protect your business in Chandler, AZ. We look forward to helping you every step of the way.