As a business owner, you likely have assets that you want to protect. Many of these assets may be difficult to replace or cover out of pocket. Commercial insurance provides various benefits for business owners, regardless of how big or small their business is. These benefits can provide both financial and legal coverage for many areas of your business that would be difficult to cover out of pocket. Our Biddle-Shaw Insurance Services Inc. team is focused on providing education regarding commercial insurance for our San Francisco, CA business owners. 

What are the Benefits of Commercial Insurance?

Commercial or business insurance has many benefits. It provides protection from many common pitfalls that business owners may encounter. From natural disasters to employee protection and business insurance, this insurance provides coverage for a wide variety of situations that would be difficult for many business owners to cover on their own. Commercial insurance also provides protection from lawsuits and coverage for contracts and other related situations. For example, commercial insurance provides coverage for liability, loss, property damage, theft, and injuries. Commercial insurance can be the difference between your business going under or remaining afloat due to the helpful coverage provided. 

Is commercial insurance beneficial if I don’t have any employees and I work from home?

Yes. Commercial insurance has benefits for any business owner, regardless of the number of employees they have. If you are your business’s sole employee and owner, you still have assets to protect. If you sell products or services, you can benefit from liability coverage. If you drive a car for business and have a wreck, commercial auto insurance is beneficial by providing coverage for accidents that have higher coverage limits than personal auto insurance typically. Commercial insurance provides options to meet the needs of business owners. If you have more questions regarding commercial insurance, call us. We’re standing by.