As a business owner in Henderson, Nevada, it is important to have the proper commercial insurance coverage in place. This can provide protection for your business assets and employees.
Some potential types of commercial insurance to consider are property insurance, liability insurance, and commercial auto insurance.
Property insurance can provide coverage for any physical assets owned by your business, such as buildings or equipment. Liability insurance can protect against claims of injury or damage caused by your business operations.
Commercial auto insurance is necessary for any vehicles used for business purposes, including company-owned cars and employee-owned cars used for work.
When looking for a commercial insurance policy in Henderson, it is important to find a reputable provider with experience in the local market.
Be sure to carefully review the coverage options and discuss your specific needs with an insurance agent. Proper commercial insurance can give you peace of mind as a business owner and help ensure the success and longevity of your company.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. If you plan on using the same car for business and personal use, make sure that your company’s name is listed as the primary insurer rather than yours. This avoids any potential confusion in case you need to file a claim or someone files one against you.
The need to buy a business auto insurance policy will depend on the type of driving you do. A good insurance agent will ask for many details about how you use vehicles in your business, who will be driving them and whether employees, if any, are likely to be driving their own cars for your business.
If you have a personal umbrella liability policy, your business-related activities are usually excluded. Make sure you have enough auto liability coverage.
The probability of getting sued has increased in recent years, so every business owner needs to be prepared. General Liability insurance can protect your finances if your company is ever accused or held responsible for damage or injuries.
General Liability insurance protects your business from losses resulting from claims of bodily injury, property damage, or personal injury that occur on your business premises or as a result of your operations.