With almost 200,000 businesses, North Carolina is an attractive place to start a company. But no matter how attractive a place is, the risk for businesses is always lurking. Being prepared is the best way to make sure your business can survive anything life decides to throw at it. At Brevard Insurance Agency Inc. in Brevard, NC, we are an independent agency that caters to the needs of our customers.
Commercial property insurance
As a small business, you may rent the building you operate out of. You may even not have a brick and mortar building but operate from your truck or your home. It would be best if you still protect your tools, machinery, inventory, and your records. All of these are valuable to your business, and you need to make sure they will be replaced in the event of a covered peril. If you own the building, it will also cover that.
Commercial liability insurance
All businesses need protection from legal actions taken against them. Someone may be injured while visiting your business or by a product you produce. They may not be satisfied with the services they received from you or by the timeframe of delivery. For any or all of these reasons, they decide to file an action against you. Liability insurance covers judgments and the cost for your legal defense up to the limit of your policy.
Workers compensation insurance
North Carolina requires every employer with three or more employees to cover them with workers’ compensation insurance.
Business interruption insurance
When you are hit by a peril, even a covered peril, it can be weeks or even months until you are back in full operation. Your bills will not go away during that time, nor will your payroll obligations. This insurance will help you with the cash you need to keep things current until you can start doing business again.
Contact Brevard Insurance Agency Inc. in Brevard, NC for all your commercial insurance needs.