Commercial insurance helps protect your business from its own exposures. Exposures are risks that your business generates during the course of its operations.
Products carry liability if someone is hurt using them (general liability)
Operations like construction carry defective workmanship claims and site safety claims
Using vehicles in the course of business dictates a need for commercial auto insurance
Professional services rendered leads to a need for professional liability insurance
A good insurance broker can help you understand all of the different risk your company faces AFTER they spend time to understand your operations. Then they can discuss policy options and also help you understand what risks you face that wont be covered by insurance. Examples of these risks include OSHA fines, EPA compliance costs, HR Compliance costs, etc.
Commercial insurance is typically required by landlords and vendors, as well as customers. It isn't uncommon for these parties to request certificates of insurance to make sure that your company is protected and will help prevent them from financial damages in the event you experience a claim working with them.
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