There are many forms of commercial insurance that you may need to protect your business. The types you should have depend on the kind of business you have, whether you have employees, the physical presence of the business, etc. Call us at Renee Oliver Insurance Agency Inc. in Silver Spring, MD to get your commercial insurance policies. 

Worker’s Compensation Insurance

Known widely as worker’s comp, this type of insurance pays for the costs associated with an employee who gets injured or sick at work. A work-related illness or injury from an accident can be costly, and they can often entail lawsuits. The policy pays for these expenses with this type of insurance, so your business doesn’t have to shoulder them. Accidents can cause serious problems for an uninsured business. If you have employees, you need this type of commercial policy. 

Premises Liability Insurance

These policies are critical if your business has a physical presence in which someone could be hurt. Even if there’s nothing there that’s dangerous, anyone could be injured. That means employees, customers, and the public. Just in case you need this policy to protect your business against lawsuits. 

Commercial Auto Insurance

If your business is a vehicle’s registered owner, that vehicle must have a commercial auto insurance policy. If the business owner has a personal policy on a work vehicle, that insurance company won’t pay for any costs associated with an accident. This is especially true when the accident happens while the work vehicle is engaged in business activities. Always have a commercial policy on these vehicles for your protection. 

Get Commercial Insurance 

You can talk to us about your specific business and the types of policies it may need. Call us at Renee Oliver Insurance Agency Inc. in Silver Spring, MD.