Commercial insurance is an important consideration for any business owner. Sapelo Insurance offers products and services which protect businesses of all types and sizes from potential loss.
Business property insurance protects your properties from minor accidents to major financial losses. Business records, equipment, furniture, supplies and other physical items are all covered under property insurance. Commercial property insurance is important in ensuring the long-term health of your company.
Property insurance may cover two types of losses:
Direct losses may be covered when property is lost, stolen, damaged or destroyed.
Indirect or consequential losses related to direct losses may also be covered.
Commercial General Liability Insurance
Casualty insurance is something a business owner cannot do without. This protects the insured company against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
- Premises and Operation
- Fire Damage Liability (damage by fire to premises rented to insured)
- Personal and Advertising Injury
- Medical Payments
- Products/Completed Operations
A business owners package will save you time and money on your overall company insurance program. Such a package combines your liability, property and other types of coverage into one comprehensive policy. Unfortunately, million-dollar lawsuits are common these days, which sometimes means adding extra liability protection in the form of a commercial umbrella policy. The experts at Sapelo Insurance will recommend the plan that makes the most sense for you and your business.
Business Auto Insurance
Business auto insurance provides coverage for all your vehicles whether they are owned, hired, leased or borrowed by your company. Weather and road conditions and certainly other drivers are out of your control. Business auto insurance may be used to insure private passenger cars and all types of trucks and commercial vehicles designed for use on public roads. Sapelo Insurance will tailor a business auto insurance plan that’s right for you and your company – including options for various deductibles.
Worker’s Compensation Insurance
Your greatest business asset is your employees who you count on for service, knowledge and expertise to move your business forward. Workers compensation coverage applies to accidental bodily injury and diseases occurring in or out of the course of employment.
Worker’s Compensation provides for the payment of the following benefits:
- Medical benefits
- Income benefits
- Death benefits
- Rehabilitation benefits
Here at Sapelo Insurance, our commercial insurance experts will provide you with details on Workers Compensation Insurance. We will also provide cost effective and tailored solutions to minimize your claims and keep your company expenses down.
Contact us today for more information about Commercial Insurance or fill out our online quote form.
Call For Quote: (912) 961-8927