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Whether you run a large, commercial company or you have a small, independent brand, you want the best for your business. Providing your business with the best includes making sure there is coverage for any potential losses that may incur. One way to guarantee your business will have the protection it needs is by purchasing business insurance. Business—or commercial—insurance allows you to obtain protection for your company, employees, and any equipment and vehicles used by your business.

Insurance can be difficult to understand, and you may have some questions. Continue reading as the staff from Kleppinger Insurance, an insurance agency in Bethlehem, Pennsylvania, answers some frequently asked questions about commercial insurance.

4 FAQ’s About Business Insurance

1. Why Do I Need Business Insurance?

Accidents such as slips and falls, fires, theft, and burglaries can happen in any commercial business. If you do not have a coverage plan in place, you or your employees may be personally liable for some of these occurrences. Purchasing business insurance protects you and your employees from personal liability and helps to recoup any losses your business may experience during an incident.

2. What Should My Coverage Include?

Your company’s insurance plan should be as comprehensive as necessary. For example, if you have a company car or vehicle that’s used on a routine basis, you should purchase a commercial auto insurance plan. If you have multiple employees who engage in physical labor, you should have worker’s comp insurance. Additionally, if you frequently have customers on-site, you may want to have liability insurance in the event of an injury, slip, or fall in your business.

3. Can I Purchase Multiple Policies?

Yes. Some insurance agencies allow for you to bundle multiple policies together, saving you time and money. Speak to your insurance agent to find out more about which options are available to you.

4. How Do I Purchase a Policy?

You can purchase a policy by searching for a reliable business insurance agency. You can also purchase a policy from a third-party, independent agency. Explore your options and find out what works best for your company.

If you are interested in purchasing business insurance for your company, visit the Kleppinger Insurance website to request a quote. To speak with an agent and get started on a policy today, call (484) 357-1485.

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