Running a small business comes with challenges that can seem overwhelming. Every small business has risks particular to their type of work. Commercial insurance has many different lines, and some of them can help you protect your business. By talking to an insurance professional you can trust, it helps take the stress out of getting the right commercial insurance for your small business. At Dalessandro Agency Inc. in Grand Rapids, MI, we are a locally owned and operated independent agency that has served the area for 25 years.
Commercial Property Coverage
Commercial property insurance is a valuable coverage whether you own the building your business is in or rent. It covers your business from perils such as natural disasters, theft, and fire. Beyond the physical structure, it provides coverage for the machinery you use to do business. It will replace office machinery, furniture, inventory, and records. If a covered hazard damages your business, you can get back to business sooner with commercial property insurance.
Commercial Liability Insurance
Commercial liability insurance does what all liability insurance does; it protects you from the result of legal actions against you or the results of an injury. It pays things such as medical bills, lost time, legal bills, and judgments.
In the state of Michigan, a private employer must carry workers’ compensation insurance if they have three or more employees at any given time or if they employ one or more workers for 13 or more weeks at 35 hours or more per week. This is actually a good thing and makes it easier to retain employees who know they are protected from job injuries.
If you have questions about your small business’s commercial insurance at Dalessandro Agency Inc. in Grand Rapids, MI, we have the answers. Please stop by our office or give us a call for a free quote.