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!