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22246 S Ellsworth Rd
Queen Creek, AZ 85142

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How much commercial insurance do I need?

When you own a business, having the right commercial insurance is essential. But how do you know how much coverage you need? It’s important to understand the different types of insurance available and what each covers to decide on the level of protection your business needs. The Insurance Team explains commercial insurance options in Queen Creek, AZ.

Commercial Coverage Options

Property Insurance

Property insurance protects the physical assets of your business from damage or destruction due to natural disasters, theft, vandalism, or other unexpected events. This type of coverage typically includes buildings, equipment, inventory, furniture, computers, and other items used for your business operations. Property insurance does not cover losses caused by employee dishonesty or cybercrime.

Liability Insurance

Liability insurance helps protect your business against claims of negligence or wrongdoing that could result in financial loss or injury to others. Liability insurance includes general and professional liability coverage (errors and omissions). General liability protects if someone is injured on your premises or if their property is damaged due to your negligence. Professional liability protects if you make a mistake in performing services for a client that results in financial loss or damages them reputationally.

Business Interruption Insurance

Business interruption insurance provides financial assistance if an incident causes a temporary suspension of operations at your business—for example if a fire or severe weather event forces you to close temporarily. This policy helps cover lost income and expenses associated with getting things back up and running after such an incident. 

We Are Here To Help!

Taking out the right amount of commercial insurance is critical for any business owner in Queen Creek, AZ, who wants to protect themselves from potential financial losses resulting from unforeseen events. The Insurance Team can help you find the commercial insurance you need – so contact us today!

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