How commercial insurance can save your small business

Owning a small business comes with risks and saving your business is why you need commercial insurance. Commercial insurance is not just one line. It is lots of different lines that are bundled together to create a policy that is customized to your particular business needs. Not every type of commercial insurance is a right for every small business. Why should you pay for insurance you will never use? At  ALLConnecticut Insurance in West Hartford, CT, we take a personalized approach and get to know our customers so we can help them to get the right insurance at the right price. 

Commercial property insurance

Commercial property insurance is something most small businesses need whether or not you own the building where your business is located. If the building is damaged by a covered hazard, there will be additional damage beyond the physical building. Your machinery, business equipment, office records, and electronics not to mention desks, etc. It will also cover your inventory and can help to get you back in business quicker. 

Commercial Liability

Any business big or small is vulnerable to being sued. Whether it is a disgruntled employee or someone who is injured while visiting your business or by one of your products, you can end up in court. A judgment against you will be very expensive and the legal expenses for your defense won’t come cheap either. 

Business Owners Policy BOP

A business owner’s policy combines the two most popular types of commercial insurance liability and property insurance into one policy. This usually ends up being more affordable than buying the two policies separately. 

Workers’ Compensation

If you have any employees in Connecticut you are required to provide workers’ compensation. You can do it with commercial insurance or you can self insure. 

Contact ALLConnecticut Insurance in West Hartford, CT, and let us help you to create the commercial policy you need.