Business & Commercial Insurance
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Business & Commercial Insurance Information
Business & Commercial Insurance in Murfreesboro, Jackson, & Humboldt, TN
Building a business requires a lot of blood, sweat and tears, to use the old cliché. As soon as you get your business off the ground, it’s imperative that you protect everything you have worked so hard to build. Quality commercial insurance benefits will ensure that you can have those safeguards in place.
Business owners throughout middle and west Tennessee trust FSB Insurance with all of their commercial insurance needs. Whether you are insuring a small business, or a rapidly growing operation, we are committed to helping you institute a comprehensive insurance portfolio that will always work to your advantage. As a proud member of the Sunstar Insurance Group, we have the best tools in the business to help you keep your commercial assets secure under all circumstances.
To get your policy, call us at (731) 668-9312 or request your quote now!
Common Business Insurance Questions
What Is Business Insurance?
Running a business means juggling a lot of different balls in the air at once. You have products to make, employees and customers to manage, not to mention numerous compliance and risk management strategies to institute. You should not have to worry about where you will get the money to recover from an unexpected accident, that however unlikely, could occur at any time.
By being able to rely on your customized business insurance for assistance, you’ll be able to pick up the pieces of these challenges and move on with your life with much less of a financial challenge. Therefore, the long-term financial stability and viability of your business will remain intact.
What Does Business Insurance Cover?
A far-reaching business insurance portfolio is made of numerous policies that will each cover different aspects of your operation, but that will combine to provide a strong foundation of coverage.
Property Insurance: If something damages physical property – such as your building or possessions - then this coverage can help you repair or replace them.
General Liability Insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
Business Interruption Insurance: This helps you pay the bills if you must temporarily close after a damaging accident.
Commercial Auto Insurance: When the company owns vehicles, this coverage will provide the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.
Workers’ Compensation Insurance: If an employee gets hurt on the job, they are often eligible for workers compensation coverage. It will supply supplementary income during their recovery.
Errors & Omissions Insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
Surety Bonds: If you are contractually bound to certain clients, then bonds will guarantee them that you will repay them if you cannot meet your obligations.
To further customize your benefits to your advantage, consider investing in:
Products/Completed Operations Liability Insurance
Cyber Liability Insurance
Umbrella Liability Insurance
Hired/Non-owned Auto Liability Coverage
What Business Insurance Is Best for Me?
Customized business insurance is different for every operation. Our job is to help you choose the benefits that will provide you with optimized protection at just the right time.
Keep the following in mind when tailoring your business insurance benefits:
Certain benefits are required by law, though various factors will influence the exact coverage that is mandatory for you. Commonly required coverage includes commercial auto, general liability, workers’ compensation and surety bonds.
All businesses need optimized coverage limits, deductibles and endorsements on their policies to effectively maximize their benefits.
If you are a small business owner who is looking for the best way to start your business insurance portfolio, then consider investing in a business owners policy (BOP). These are packages of coverage that offer essential benefits—usually property, general liability and business interruption—in one place. However, you can expand your plan in the best ways to offer you perfected coverage.