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What types of insurance do I need as a business owner?

As a business owner here in the Gahanna, OH area, it is important to ensure that you have adequate insurance coverage in place to protect your assets and liabilities. There are a variety of types of insurance policies available to business owners from us at America’s Top Insurance, which can help cover the costs associated with natural disasters, theft, legal liabilities, and more. 

Commercial Insurance Coverage Options

The most common types of insurance for business owners include property insurance, general liability insurance, workers’ compensation insurance, commercial auto insurance, business interruption insurance, and professional liability or Errors & Omissions (E&O) Insurance. 

Property Insurance helps protect a business from losses caused by damage to physical assets such as buildings or equipment due to fires, storms, theft, or other causes. General Liability Insurance provides protection for businesses against claims resulting from injuries and property damage to third parties. Workers’ Compensation is mandatory in some states and helps provide financial assistance for medical bills and lost wages incurred as a result of an employee’s work-related injury or illness.

Commercial Auto Insurance covers vehicles used for business purposes – this often includes company-owned vehicles as well as employee-owned vehicles used for business activities. Business Interruption Insurance covers lost income related to certain unexpected events such as fires or floods that force a company to temporarily suspend operations. Lastly, Professional Liability or E&O Insurance protects businesses from claims arising out of negligence in the provision of professional services. 

By making sure you are properly insured with all the necessary policies in place, you can mitigate much of the risk associated with running a business while providing yourself with peace of mind knowing that your finances are secure.

We Are Here To Help

For more information, call us at America’s Top Insurance today. We are proud to serve the Gahanna, OH area.

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