Commercial Insurance

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At Universal Insurance Agency, we offer a comprehensive range of commercial insurance policies to meet the diverse needs of our clients. Here is a quick rundown of the commercial policies we provide.

1. Commercial Auto Insurance:

   - Coverage: Protects the vehicles you utilize for business purposes, including cars, trucks, and vans, against physical damage and liability for accidents.

   - Benefits: Provides coverage for property damage, bodily injury, medical expenses, and legal costs resulting from auto accidents involving your business vehicles.

   - Customization: Policies can be tailored to your specific vehicle types, usage, and industry requirements.

2. General Liability Insurance:

   - Coverage: Protects your business from claims related to bodily injury, property damage, personal injury, and advertising injury.

   - Benefits: Covers legal expenses, medical costs, settlements, and judgments if your business is found liable for covered incidents.

   - Customization: Policies can be customized to address the specific risks associated with your industry.

3. Commercial Property Insurance:

   - Coverage: Protects your business property, including buildings, equipment, inventory, and furniture, against damage or loss due to covered events such as fire, theft, vandalism, or natural disasters.

   - Benefits: Covers repair or replacement costs for damaged or stolen property, as well as business interruption expenses.

   - Customization: Policies can be tailored to your property value, location, and specific coverage needs.

4. Professional Liability Insurance:

   - Coverage: Also known as Errors and Omissions (E&O) insurance, it protects professionals and businesses that provide advice or services against claims of negligence, errors, or omissions.

   - Benefits: Covers legal defense costs, settlements, and judgments resulting from professional mistakes or failures that cause financial harm to clients.

   - Customization: Policies can be customized based on your profession and the specific risks associated with your services.

5. Commercial Umbrella Insurance:

   - Coverage: Provides additional liability coverage that extends beyond the limits of your primary general liability, auto liability, or employer's liability policies.

   - Benefits: Offers an extra layer of protection against catastrophic events and high-cost claims, safeguarding your business from significant financial losses.

   - Customization: Policies can be tailored to meet the specific coverage limits required for your business operations.

6. Workers' Compensation Insurance:

   - Coverage: Protects your employees by providing benefits for work-related injuries or illnesses, including medical expenses, disability benefits, rehabilitation costs, and lost wages.

   - Benefits: Ensures compliance with legal requirements, protects your business from employee lawsuits related to workplace injuries, and promotes a safe working environment.

   - Customization: Policies can be tailored based on the number of employees, nature of work, and state-specific regulations.

Please note that the above details provide a general overview of each policy. For more detailed information and to discuss your specific insurance needs, we recommend contacting our team of insurance professionals who will assist you in choosing the right coverage for you. Request a quote down below....