What Kind of Commercial Coverage Does Your Small Business Need?

As a small business owner, you’re bound to face risks that affect your finances. Natural disasters, workplace accidents, and cyber-theft can cost you thousands of dollars’ worth of damages. Commercial insurance can protect your Harrisburg, PA business from financial setbacks that can hold you back from expansion. At Henderson Insurance Agency, you can obtain personalized commercial coverage to protect your business against the following:

Lawsuits

Today’s business owners need to be on guard against lawsuits that can put their company out of business. If a customer has an accident on your property or one of your products causes customer harm, you could be sued for damages. Liability insurance protects you against lawsuits by covering the medical costs of accidental injuries, legal expenses, and settlement costs.  

Property Damage   

If you rent or own a business property such as an office or warehouse, you can benefit from what property insurance has to offer. Property insurance protects your building and all its contents against unexpected disasters. Natural disasters like tropical storms, hurricanes and blizzards can cause extensive damage to business property. Without insurance coverage, your business would have to cover damages to your workplace, inventory, furniture and office equipment out of pocket.

Workplace Accidents  

In Pennsylvania, any business that has one or more employees is required to carry workers comp coverage. Workers comp protects your employees against accidents on the job by covering medical expenses, disability, and lost wages while a worker is recovering from the accident. It even provides death benefits for an employee’s family, if the accident results in a worker’s demise. Workers comp insurance provides a means for business owners to take care of their employees in the event of accidents. Businesses that have this coverage are more likely to retain valuable personnel that can help their company move forward. 

If your small business is in need of commercial insurance coverage, call us at Henderson Insurance Agency, Harrisburg, PA.