Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
Business insurance can help insulate your company from financial hardship triggered by events beyond your control. Contact Barnette and Coates Insurance today to get appropriate business insurance coverage.
What Is Business Insurance?
Business insurance is a collection of policies and endorsements designed to provide your company with necessary insurance coverage. Some policies, like workers’ compensation insurance and commercial auto insurance, may be required for North Carolina businesses.
Types of Business Insurance Policies
Some small businesses may qualify for a business owners policy (BOP), which provides basic small business insurance coverage at a discount. A typical BOP provides the following coverages:
Not every business can get a BOP. If you can purchase a BOP, you may customize your coverage with optional coverages and endorsements. Your agent can help determine the most appropriate coverages for your company.
There’s no one-size-fits-all answer to questions about which insurance policies may best suit your needs. Depending on your risks and exposures, your agent may recommend that you purchase the following:
- Commercial property insurance may help cover business property you lease, rent or own, including your equipment, furniture, fixtures and equipment.
- General liability coverage may help cover your legal liability for third-party claims of property damage or bodily injury and your company’s legal defense.
- Business income insurance may help cover your company’s everyday expenses if you must temporarily close to allow for covered repairs.
How to Get Business Insurance
- General liability insurance
- Commercial property insurance
- Workers’ compensation insurance
- Professional liability insurance
- Commercial umbrella insurance
- Employment practices liability insurance (EPLI)
- Data breach insurance
- Commercial auto insurance
Contact Barnette and Coates Insurance serving the Hendersonville and Asheville, North Carolina, areas for personalized business insurance quotes.
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