What Does A Commercial Insurance Policy Cover?

Your business needs to be protected as much as possible in Pittsburgh, PA. The best way to accomplish this is with a commercial insurance policy. It can cover a number of aspects of your business.

Typically, a commercial insurance policy is going to cover the basics, including property insurance and liability. You can also customize it to include commercial auto insurance, business interruption insurance, and much more. Every business is different, so what gets added to your policy may vary from the business down the road from you. At Gallina and Sons, we will sit down to discuss the options that are available to you.

You want to make sure that you have the coverage so that something doesn’t happen, leaving you spending all of your profits. Unfortunately, one problem can cause you to be bankrupt if you don’t have the right insurance coverage. The goal is to prevent this from ever happening.

There are a few things you will need to explore in order to determine what you need your commercial insurance policy to cover. This includes your location, the number of employees you have, how many vehicles your company owns, and even your gross annual revenue. If you work with a significant amount of equipment or you have a large amount of inventory on the premises, this should be identified as well.

Essentially, commercial insurance policies are customizable. If you only have a certain number of employees, you may not need to have workers compensation. If you don’t have commercial vehicles, you can skip that coverage as well.

Contact us at Gallina and Sons so that we can help you to decide what kind of commercial insurance policy you need for your business in Pittsburgh, PA. Once you have the coverage in place, it will be easier to run your business without worrying about what could go wrong.