Commercial Insurance
Running a business is all about risk and faith. It’s taking a gamble on the belief that your services or products fill a need and have value to others, but what happens when that gamble goes wrong? If you’ve got insurance, hopefully it provides coverage to get you out of bad situations. If you don’t, you could be liable in ways you haven’t even imagined.
Commercial insurance is required by law in the United States, but it's easy to get the bare minimum and feel like you’re being smart by saving money on something you think you won’t need. The good news is, the many variations of commercial insurance are usually tax write-offs, as they’re considered an essential part of doing business. The even better news is, with good insurance coverage, you can rest easy at night, knowing you’ll likely be protected if things go wrong.
All commercial property owners policies include cover for damage caused by the following:
- Fire, lightning, explosion, earthquake subterranean fire
- Escape of water from any tank, apparatus or pipe
- Falling trees or branches
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Risk Management
Business operations can be complex. At Fidelity Insurance Group , we know the importance of understanding your company and the exposures that you face. We take a practical, hands-on, approach to identifying areas of concern, and then work with you to eliminate and/or mitigate risk.
We’ve all experienced real life. Things seldom go just how we dream. Accidents happen, things go sideways and that’s exactly when insurance should be there to help you.
As the name suggests, commercial insurance protects businesses, including business owners and their employees. Because every business is different, there is no one-size-fits-all insurance policy for small business owners.
Business income and extra expense coverages are often added to a commercial property policy. Unlike most property coverages, they do not cover physical damage to property. Instead, they cover two consequences of physical damage, namely loss of income and additional expenses.