If you’re starting a new business, you may benefit from commercial insurance. Commercial insurance is a broad category of insurance that covers various aspects of business ownership and operations. The professionals at Town & Country Insurance, servicing Buford, GA, can help you determine whether you need commercial insurance, and if so, what type. Here’s what you need to know.

Understanding Commercial Insurance

Commercial insurance is a type of insurance that can cover your business, employees, and commercial property. As not all businesses have the same needs, commercial insurance can be divided into many types, including property insurance, general liability insurance, and others.

Who Requires Commercial Insurance?

Essentially, every business can benefit from at least some form of commercial insurance. For instance, liability insurance covers harm to others caused by your business, while property insurance covers damage to your business property, such as equipment and structures.

Do You Have Employees?

If your business has employees, you may be required to have workers’ compensation insurance. Your insurance agent can help you determine if you’re required to have workers’ compensation insurance.

There can be penalties for operating a business without workers’ compensation insurance, so it’s essential to stay compliant. Insurance agents are knowledgeable about the laws and are here to help.

Does Your Business Own Vehicles?

If your business owns vehicles, it’s essential for them to have insurance. Your commercial insurance agent can help you get the right type of auto insurance for your company vehicles.

If you need help deciding whether your business needs commercial insurance, the professionals at Town & Country Insurance, servicing Buford, GA, can assist. We work with a variety of insurance carriers, so our customers have choices. We can answer your questions and help you choose the right insurance products for your needs.