Who Needs Commercial Insurance?

If you are a business owner, having commercial insurance is one of the key aspects of running your business. It does not matter whether high risks occur in your business or not, having commercial insurance is important. If you are thinking of getting commercial insurance but are still not sure if it is necessary, Gallina and Sons serving clients in Pittsburgh, PA and the Pittsburgh area prepared a list of those who will definitely benefit from this type of insurance.

Business Owners Who Own Properties

If you have commercial or personal property, you will definitely benefit from commercial insurance. A standard commercial insurance policy usually covers a commercial building itself, as well as all the items and belongings stored inside. Moreover, it is important to know that many mortgage lenders will not approve you for a loan if you do not carry proper commercial insurance.

Those With Liability Concerns

Some businesses and business owners are more prone to liability lawsuits than others. Therefore, having commercial insurance for them is a must. Most commercial insurance policies provide at least some level of liability protection. 

Business Owners Who Hire At Least One Employee

In the state of Pennsylvania, it is mandatory to carry worker’s compensation coverage. The purpose of this coverage is to protect business owners and their employees from financial losses if an employee is injured on the job. It also protects businesses from potential lawsuits. 

Gallina And Sons – Get Commercial Insurance To Protect Your Business

If you run your business in Pittsburgh, PA or Pittsburgh area, you should consider getting commercial insurance to protect it. Contact Gallina and Sons – an insurance company that will help protect your business, you as a business owner, and employees who work for you. Feel free to call us if you have any questions or need more information.