Business & Commercial Insurance
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Business & Commercial Insurance Information
Business & Commercial Insurance in Charlotte, Fort Mill, Clover, and York SC
Insurance for Businesses Throughout South Carolina
Running a business is hard work but protecting it should be easy. Even though it’s impossible to predict every accident or claim, you can prepare as best as possible with a reliable business and commercial insurance policy. John Lovsin Agency
works with business owners throughout South Carolina to tailor policies specifically for their needs and budget. Our dedicated agents will help you evaluate the risks of your industry and prepare a policy that protects your hard-won assets.
What Does Commercial Insurance Cover?
Commercial insurance includes a variety of different policies and coverages for risks a business may face. Some of these insurance policies can be geared for specific industries while others provide more general coverage. Common policies to consider include:
General liability is one of the most common and useful liability policies. This type of insurance covers bodily injury, property damage and personal or advertising injury.
- Bodily Injury: Bodily injury coverage can help with someone else’s medical bills if they’re injured on the business’ property as well as protecting the business against a lawsuit concerning the injury.
- Property Damage: Property damage coverage provides compensation for someone else’s property that may be damaged as a result of the business’ everyday operations.
- Personal and Advertising Injury: Personal and advertising injury covers claims against the business concerning libel, slander, malicious persecution and more.
There are several liability insurances available for specific businesses and industries, such as:
- Professional Liability: Professional liability insurance covers claims of professional negligence against the business.
- Umbrella Liability: Umbrella liability insurance fills in gaps left by your other liability policies.
- Cyber Liability: Cyber liability insurance covers claims against the business concerning electronically stored information.
Commercial Auto Insurance
Commercial auto insurance covers vehicles owned or used by a business. If your business operates through delivery, you will need commercial auto insurance to protect the vehicles and liability against the business.
A commercial auto insurance policy may include comprehensive coverage, collision coverage, liability, medical payments, uninsured/underinsured motorist coverage and more.
Hired or Non-Owned Liability insurance can help cover vehicles used but not owned by a vehicle, such as employee vehicles.
Workers compensation covers employees who are injured on the job. This insurance can provide compensation for medical bills, emergency expenses, disability benefits, wage replacement and more.
Workers compensation is crucial for protecting your business and guaranteeing employees will receive financial assistance after a workplace accident. This insurance can also help the business with legal expenses in case of a lawsuit regarding such an injury. Every state has different laws regarding workers compensation.
In South Carolina, all employers with at least four employees (either full-time or part-time) must carry workers compensation. It is encouraged that all businesses carry workers compensation even with a single employee, however, to guarantee coverage for you and your workers.
Business Owners Policy
A business owners policy is a type of business insurance package that combines coverages into a single policy for small businesses. At its most basic, this insurance covers general liability and commercial property insurance. Commercial property insurance covers the physical assets of your business in case of damage caused by fire, wind, hail, lightning, theft, vandalism and more. However, these policies can be adjusted depending on your business’s needs.
Insure with John Lovsin Agency
Protect your hard work with a policy is deserves. Call John Lovsin Agency today or fill out an online quote form to get started.
Common Commercial Insurance Questions
How Much Does Commercial Insurance Cost?
The cost of commercial insurance varies depending on several factors, including the type of insurance and amount of coverage. Fill out an to find out how much you can save on business insurance.
How Much Commercial Insurance Do I Need?
Every business’ insurance needs are different, so it is important to consider your industry’s and company’s unique risks. The agents at John Lovsin Agency are ready to help you evaluate risks in your area and industry to find the best policy for your needs.
How Does Commercial Insurance Work?
Most commercial insurance works much like any other insurance policy. In general, you pay monthly premiums in return for coverage. If you have to file a claim on your insurance policy, you may need to meet a deductible before receiving compensation.
If you have any questions about business insurance or are looking to get insured today, give us a call!
Fort Mill Office: (803) 396-7878
Clover Office: (803) 222-9710
York Office: (803) 684-2096
Check out our other insurance products: