If you are a startup in Arizona or a multi-branch business in California, you need to have business insurance. Aside from your legal and moral responsibility to keep your employees safe, you also need to be protected against disruptions brought about by unforeseen events.

Typically, a business insurance policy insures against property damage, employee injuries, customer or client injuries, and vehicle damages or losses when any of your commercial vehicles figure in an accident. The policy even extends its coverage to include other risks such as cyberattacks.

Different Business Solutions for Different Business Risks

Businesses are exposed to various risks. It, therefore, makes good business sense if you consider several types of protection to safeguard your property, day-to-day operations, and employees against related risks. You may consider bundling any of the following:

Workers’ compensation insurance – Every state requires businesses to carry this type of insurance if they employ workers. This pays for medical bills related to workplace injuries or illnesses. Opting to operate your business without one could result in consequences such as fines and lawsuits.

General liability insurance – Most businesses have this as it guards against various kinds of claims that include property damage, bodily injuries, medical payments to customers, and personal and advertising injuries.

Business owners policy (BOP) – This offers business property insurance and business liability insurance in one package, protecting your business property against fires, theft, and natural disasters. Also covered by BOP are product-related claims, advertising injuries, customer injuries, and customer property damage.

Commercial auto insurance – This gives liability and physical damage coverage for vehicles used in running your business.

Professional liability insurance – Also called errors and omissions (E&O) insurance, it protects businesses that offer professional services. If your business activity belongs in this field, this is perfect for you as it handles the legal costs arising from claims of professional negligence.

Cyber insurance – If your business involves a huge number of important and sensitive data and you are at risk of a data breach, you may consider this coverage. This covers data recovery, legal and settlement fees, and investigative services.

Request a Tailored Solution Designed for Your Business Needs

We provide different business insurance solutions customized to your unique business risks. Wherever city in Arizona or California your business is, we will help you find the right policy that will protect your company and your financial future.

Contact us online for a fast quote.

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