Cross Creek Insurance in Hope Hills, NC has been offering commercial insurance for several years, and we will discuss a few important commercial products that are essential to businesses. If you’re considering commercial insurance, these insurance products should top your consideration list.
Commercial property insurance
This policy provides coverage for the physical location and property of your business. Generally, it provides coverage for your business furniture, inventory, and equipment. Even if you run your business from home, this commercial insurance policy can help.
Here are some of the situations in which this insurance policy can help. If fire or any other disaster damages your office and you cannot open for business for some time, this coverage will provide funds for repairs and also compensates you for the loss you incurred during the period of the closure.
If your computer and other tools get damaged, you will be provided with the funds for repairs or replacement. Every business needs this insurance product. No matter what your business is, you’ll have a tool with which you work. Even if you’re a freelance writer that works from home, you need to protect your laptop.
With the high spate of hacking and cybercrime, it is necessary to consider this commercial insurance product. Even if you don’t do any financial dealings, you could be a victim of ransomware attacks. You could be locked out of your system by cybercriminals. This policy will compensate you for all the losses you incurred due to cyber-attacks.
Workers’ compensation insurance
If you have people working for you, this is the most important commercial insurance product. It is even required by law in North Carolina. Also, it prevents your employees from being able to file lawsuits against you for work-related injuries.
When you visit us at Cross Creek Insurance in Hope Hills, NC, we’ll tell you about the other commercial insurance products and also help you make the best choice for your business.