Business Insurance Products
Who needs business insurance?
The right insurance is an important tool to protect any business.
Every business has unique requirements.
Your commercial insurance should be designed to protect the assets and capital in your business against most risks. A Bill Blaney Insurance Commercial Broker can help you itemize and quantify those risks, and determine the level of coverage you should consider.
Property loss. Insurance against property damage or theft protects the physical assets that support your business including buildings, equipment, vehicle fleets and inventory, as well as intangible assets such as licenses, patents and accounts receivable. To arrange the right level of insurance, you must know your rights and obligations as an owner, tenant, leaseholder, landlord or mortgage holder. You must also take into account local bylaws or standards for physical repair and reconstruction.
Liability loss. Every business is exposed to liabilities and should be protected against the minor as well as the major ones including personal injury, product failures or negligence.
Personal loss. Group health and benefits insurance can help to improve employee retention and well-being thereby reducing the cost of turnover and lost time.
Net income loss. Some businesses are exposed to specific perils that are beyond their control and that would cause critical damage to the viability of the business