Commercial Insurance

Small businesses today face all kinds of risks for financial loss. Smart business owners will ensure their enterprise is protected with commercial coverage. Commercial insurance from Al Leach Insurance Agency LLC will safeguard your Pennsylvania business against theft, vandalism, fire, tornadoes, and other major disasters. Here’s what you can expect from a commercial insurance policy.

Commercial Coverage

Commercial policies in Pennsylvania offer diverse types of coverage. By being selective in your coverage, you can ensure you have accurate protection for your company.

• Property – Property insurance is designed to protect your business building, equipment, and inventory. If any of these are damaged or destroyed in a covered peril, property coverage will compensate you for your losses. Your property coverage should be sufficient to cover the value of your building and business property.
• General Liability – Liability insurance protects your business assets against the risk of accidents on your business site. As a business owner, you’re responsible for accidents that occur on your property. If a customer slips on a wet floor and hurts his back, you could be held liable for his medical costs. Liability covers accidental injuries and protects you against a lawsuit if a customer decides to sue you for damages.
• Business Interruption – This insurance covers lost revenue, payroll, and other essential business expenses if your enterprise has to shut down temporarily for repairs after a major disaster. Having this coverage can be instrumental in your recovery.
• Worker’s Comp – Worker’s comp protects your employees against work-related accidents. If your business employs one or more workers, you are required to have this coverage in Pennsylvania by law.
• Commercial Auto – If you use vehicles for business purposes, you’ll need commercial auto to protect them against accidents on the job.
• Cyber Insurance – Cyber coverage protects your sensitive business data against cyberattacks.

Where to Purchase Commercial Coverage

For quality commercial insurance at affordable costs, call or visit your insurance specialists at Al Leach Insurance Agency LLC.