Kansas commercial insurance coverage

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Commercial Insurance

There are nearly 28 million small businesses operating in the United States, according to the Small Business Administration, accounting for more than half (55%) of all jobs. Given the important role small businesses play in the economy, it is important to know what types of insurance protection you need to cover the cost of potential financial loss. Commercial insurance, which differs from personal insurance such as home and auto, gives you the peace of minded needed to cover the risk of financial loss to your business.

Types of Commercial Insurance Coverage

The principal types of commercial insurance available include property insurance, liability insurance, and workers' compensation. Workers' compensation is the most straightforward type of commercial insurance line as it refers to the state mandated coverage required in the event that an employee becomes injured or develops an occupational disease while performing work related tasks. Workers' compensation insurance relieves you of the financial cost associated with medical treatments, lost wages, and rehabilitative services.

Property insurance is important to your business as it provides protection for your building, its contents, and the risks that can create financial loss. The cost of replacing your expensive equipment and technology necessitates that adequate property insurance coverage be in place. Finally, liability insurance provides important protection to your business against the financial risks associated with lawsuits and other claims made against your business. If you were to be sued by another party in the absence of liability coverage, you may find yourself bankrupting your company should a judgement come against you or the business.

Obtaining the Information You Need to Meet Your Insurance Requirements

Our independent insurance agents are ready to assist you immediately with your insurance needs. As independent agents, they have the ability to take an objective approach to meeting your insurance needs. Their interests are assisting you in finding commercial insurance options that are appropriate for your situation. Call or contact any of our insurance agents at DM Bruce and start the process of acquiring important insurance protection now.

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