BUSINESS & COMMERCIAL INSURANCE AGENCY IN MARIETTA, OH, BEVERLY, OH, CAMBRIDGE, OH & PARKERSBURG, WV
Your Local Ohio Business Insurance Provider
No business is without its operating liabilities, and at any time what was once a possibility could become a costly, even devastating problem. It is in these situations that quality commercial insurance benefits should be available to help the involved parties recover their losses.
At Brick Insurance Group, we specialize in insuring commercial operations of all shapes and sizes. Our plan options are both expansive and customizable, and we are committed to helping you design the benefits that are best for both your needs and your budget.
Contact us at (740) 373-2604 or request your free quote now:
What is Commercial Insurance?
No business is immune to hazards like lawsuits, property damage, personnel issues and other unexpected problems. No matter what the challenge facing the business might be, the results might be costly, and the business could struggle to recover even if it has strong financial reserves in place.
Rather than risk your capital in the face of a challenge, you should be able to turn to your commercial insurance options for assistance. While there are numerous types of coverage that fall under the umbrella term business insurance, a customized portfolio of coverage will be beneficial to the insured business, provided that it takes the time to invest in appropriate benefits from the get-go.
What does Commercial Insurance Cover?
Some of the most commonly purchased commercial insurance options include:
If something like a fire, severe weather event or break-in damages physical property—such as your building or possessions—this coverage can help you repair or replace them.
General Liability Insurance
Sometimes, your mistakes or negligence could cause harm to others. Liability insurance will help you when you are responsible for the property damage or bodily injuries to another party, like a client or vendor. It can also cover the costs of your legal fees if the affected party sues you over the incident.
Business Interruption Insurance
A halt in operations could cause a significant drop in income, even though you might still be saddled with overhead costs. This coverage helps you continue to pay the bills if you must temporarily close after a damaging accident.
Commercial Auto Insurance
When the company owns vehicles, this coverage will provide the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards. Coverage can also extend hired/non-owned liability insurance benefits to situations where employees drive their personal vehicles on official business errands.
Workers’ Compensation Insurance
If an employee gets hurt on the job, they are often eligible for workers compensation coverage. It will supply supplementary income and medical assistance during their recovery. It also frees the business from liability for their injuries (in most cases) by limiting scenarios when a workers’ comp recipient can sue their employer.
An issuer of a bond can purchase bond insurance to guarantee scheduled payments of interest and principal on the bond to its bondholders in case the issuer defaults. Once the issuer purchases bond insurance, its credit rating is replaced with the insurer’s credit rating. Premiums are a measure of the perceived risk of failure of the issuer and are paid to the insurer in either lump sums or installments.
Other essential benefits can include:
- Errors & Omissions Insurance
- Inland Marine Insurance
- Employment Practices Liability Insurance (EPLI)
- Products/Completed Operations Liability Insurance
- Cyber Liability Insurance
- Umbrella Liability Insurance
Business Owners Policies (BOPs) are available to qualifying small business owners. Speak to one of our agents to learn more about your eligibility for this convenient, affordable insurance package.
How Do I Get the Right Commercial Insurance?
Our agents are committed to helping every client determine the right combination of insurance benefits for them. We realize that all businesses (even two direct competitors) are completely unique. We’ll work with you to implement a comprehensive insurance portfolio that will always be tailored to minimize your financial risks in the face of numerous liabilities.