Commercial Insurance

from SNA Insurance

Commercial Insurance

Commercial insurance, also sometimes called business insurance, is protection for your business that includes:

  • Commercial property insurance
  • Business auto insurance
  • Commercial umbrella insurance
  • Business liability insurance
  • Workers compensation insurance
  • Bonds

Why purchase commercial insurance coverage? Because just one lawsuit, one robbery, one workers' compensation claim, or one storm that damages your office could put you out of business, causing you to lose everything you’ve put into making your enterprise a success and costing your employees their jobs. Would you be able to cover those financial disasters without wiping out your company’s savings or perhaps your personal assets?

Commercial insurance policies can be assembled from the components listed above to cover all the elements your business needs to protect your assets from threats like legal judgments, death and disability claims, business vehicle accidents, injuries on your premises, or damage to your property, including your equipment, tools, documents, and other items you need to run your business every day.

Call SNA Insurance at 502-243-2234 or get in touch online to see how we can make sure your business has the commercial insurance coverage it needs. In addition to asking about your specific location in the Crestwood region, we’ll inquire about the following, to get a better picture of how to tailor a unique policy for you:

  • What industry are you in (important to assess risk)?
  • How many employees do you have, and what is the size of your payroll?
  • Do you own any business vehicles, and if so, what type are they and who drives them?
  • What kind of property does your business own (real estate, tools, equipment, furnishings, etc.)?
  • Have you ever had any past commercial insurance claims?
  • What are your plans for business growth or expansion in the near future?

We’ll also talk about elements like flood and earthquake insurance, state requirements for workers compensation and disability, and training or safety mitigation programs you have completed that might reduce risk and lower your premiums.

Commercial insurance can be complex and even confusing, but it doesn’t have to be. Contact our independent insurance agents today, and you can give your attention where it really matters, knowing your business has the commercial coverage it needs for those unexpected incidents and emergencies.