Insurance Blog

Commercial Insurance: What Basic Coverages Do You Need?

If you operate a business in Jasper, AL, you obviously understand all the risks and uncertainties you face every day. To be on the safer side, it is always necessary to make sure that you have a commercial insurance policy that helps you to cover possible damages. Harris Insurance has highlighted some of the basic coverage that you should expect from a commercial insurance policy. 

Business Income Coverage

Commercial insurance can be one of the best ways to recover lost income that usually occurs when natural disasters have disrupted your business operations. For example, if a natural calamity like a flood or earthquake has a significant impact on your business, it is the commercial insurance policy that will reimburse all the income you will lose for the length of the time the company will not be operating.

Business Property Coverage

For every business to operate effectively, there are very many valuable assets and properties that are involved. Buildings, land, machinery, and other tools are valuable assets that help the company continue operating. With commercial insurance, all these essential assets for business operations will be protected against possible theft, fire, vandalism, and natural calamities.

Employee Health Coverage

There is always a chance that workers will get injured or sick when working in a commercial facility. It is the business’s responsibility to cater to medical expenses for all the injuries that employees might get at the company. Commercial health insurance will help in covering additional health issues such as disability compensation and income replacement.

Do You Need Commercial Insurance?

Harris Insurance knows that many companies in Jasper, AL that operate without a commercial insurance policy. This is a dangerous issue as it can easily affect the operations of the company. However, having a good commercial policy helps in addressing some problems addressed above. Contact us today for more information about commercial insurance.

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Harris Insurance

806 Hwy 78 W
Jasper, AL 35501

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