What is Covered Under Commercial Insurance?

Commerical insurance is one of those things a business can’t live without. Every single day, there are tons of risks associated with your business — some of which you aren’t even aware of. But in order to protect yourself and your company, having the right commercial insurance plan is vital. 

What Does Commercial Insurance Cover?

When it comes to commercial insurance, there are many options to consider. Workmans’ compensation, general liability, and umbrella insurance are just a few of the many coverage options available to businesses. Whether you own a small coffee shop in the Southside of Pittsburgh, PA or a massive oil company on the outskirts of town, understanding your insurance options is key to running a well-functioning business.

Here are a few of the various coverage options involved with commercial insurance:

General Liability

General liability insurance covers your business from claims associated with third parties. That includes injuries or accidents that happen at your business location or injuries where your business is found liable.

Workers’ Compensation

While at work, some people might get hurt or become ill caused by something in the workplace. Under this insurance option, employees’ medical and disability expenses are covered. In most states, it’s the law for all business to carry this insurance coverage. 

Property Insurance

This is one of the most important coverage options to have for your business, no matter the size. This commercial insurance coverage will protect your business property from storms, fires, hail, and other causes. 

Professional Liability

This insurance option protects businesses from claims brought on from customers due to not following through with promised services. If a client feels they didn’t get what they paid for — or they saw economic losses — they can sue the company they worked with. This policy option will help protect you from this situation.  

Reach Out to the Commercial Insurance Experts!

All the various commercial insurance policies can be tough to wrap your head around. If you want the answers to all of your business insurance questions, reach out to the professionals at Gallina and Sons. We have a long history of providing outstanding insurance solutions for businesses of any size. We are serving the locals in Pittsburgh, PA, and we’ve been helping businesses succeed for over 70 years. Gallina and Sons is your solution for all of your insurance needs. Make an appointment with us today!

The Malpractice Insurance Arm of Commercial Insurance

Protecting your Business with Gallina and Sons

Serving the Pittsburg, PA area and the surrounding areas, we are convinced we are the solution to all of your insurance needs. Commercial insurance is an intricate entity that must be navigated by a professional insurance agent. There are simply too many nuances to the crafting of a comprehensive policy. 

Malpractice Insurance

Malpractice Insurance may cover you:

  • If you incur liability for the harm or damage to a patient under your care
  • If you practice medicine in a private office building, there is a specific type of insurance you need
  • If you practice medicine in a hospital only, there is a certain type of insurance you need
  • If you practice medicine in a hospital and a clinic setting, there is a certain type of insurance you need

Malpractice Insurance is Only the Beginning 

There are many arms of commercial malpractice insurance depending upon how, where, and when you practice medicine. Research the topic entirely, speak with professionals and colleagues in the field you are in or plan to be in and then come to us armed with self-advocacy in this critical aspect of your career. There is no getting around the mandate for malpractice insurance if you practice medicine in Pennsylvania. Getting familiar with it will only benefit you in the long run.

Call an agent at Gallina and Sons today whether you are in the Pittsburgh, PA area or the areas that surround our historically rich city. You can come in to discuss your needs or begin our contact via e-mail. Once we begin the process of underwriting your policy, you can focus solely on your business without worry about your liability. Reach out to our agents for more information.

3 Ways Commercial Insurance can Help a Business Grow

Commercial insurance can protect a fledgling business against accidents or lawsuits that can cause financial ruin. In protecting business assets and interests, commercial coverage enables you to invest in your company’s growth. Here are a few ways in which commercial insurance from Gallina and Sons can help your Bridgeville, PA business grow.

Liability

Liability coverage protects you against business-related injuries and accidents. If a customer accidentally injures himself while on your business property, general liability will help pay for medical expenses as well as protect you against a lawsuit due to the accident. Product liability protects you against injuries caused by a product you manufacture or sell. Liability insurance protects your business assets, so you can make financial decisions that will help take your business to the next level.

Property Insurance

Business expansion often requires the purchase of property, equipment, supplies, and other items essential to generating revenue. Property insurance protects your business property against damage or loss due to theft, fire, hazardous weather, or other covered peril. This protection lets you make investments that will help expand your business without worrying about the financial loss.

Workers’ Comp

Good employees are the backbone of every business. You’re more likely to attract reliable workers if your company has workers’ compensation to protect their interests. Workers’ comp protects your employees against accidental injuries on the job. It also protects you from lawsuits that may arise due to employee accidents.

By exploring the different types of commercial coverage, you can get a better idea of how to protect your business in ways that help it grow. The right insurance package can provide you with financial security to invest in your future.

To learn more about commercial insurance and all it has to offer, contact us at Gallina and Sons in Bridgeville, PA.