If you’re a business owner, it’s essential that you have enough insurance coverage to protect you and your employees. There are several different kinds of Business Insurance in Adrian, MI and your insurance agent can help you get the types of insurance you need so that you and your business are fully protected.
Business Automobile Insurance
If your company owns any vehicles that are used for business, then you’ll have to get this type of insurance. This covers you and anyone else that drives your company automobiles. It pays for bodily injury and personal property damages to other parties if you or an employee is at fault in an accident. This type of insurance is for all vehicles that you own, rent, or lease for business use.
Commercial Property Insurance
Anything can happen to your building at any time. It could become damaged by weather, a fire could break out or a water pipe could burst inside and flood your building. A commercial property policy pays for the damages to your building, what’s on your property, and the contents inside of your building.
Worker’s Compensation Insurance
If an employee is injured while working, worker’s comp protects you and your employee. This type of insurance pays for medical treatment and the wages of the employee after an injury. This insurance also protects you and your business from being sued for damages.
General Liability Insurance
If an employee or customer is injured in your building or on your property, regardless of whose fault it is, general liability pays for the medical and hospital bills of the injured person. This policy will also pay for any lawyer fees if you are sued.
Commercial Umbrella Insurance
This type of Business Insurance in Adrian, MI picks up what your general liability insurance doesn’t pay. If your liability only covers up to a specified amount and the damages or court costs go beyond that amount, an umbrella policy pays for the remainder that is owed.
Contact Kemner Iott Benz Insurance Agency for the best rates on auto, home, health, and business insurance. To learn more visit them online at Kemneriottbenz.com.
You can also connect with them on Facebook at https://www.facebook.com/KIBAdrian/.
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