Comprehensive Commercial Insurance: What's Included?

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Posted May 31st, 2018

Comprehensive Commercial Insurance: What's Included?

Your comprehensive commercial insurance plan with Youngs Georgetown will be tailored to cover the risks unique to your business.

Each business is unique, and what’s “comprehensive” to one may not be to another. At Youngs Georgetown, we’ll take extra care to address what makes your business different when we design your commercial insurance plan.

We’ll take the time to familiarize ourselves with the ins and outs of your business, how it functions, and the specific risks you face, before building a plan for you.

That said, most comprehensive insurance plans include some combination of the following elements:

Commercial Property Insurance

Whether you own your business location, rent your workspace, or work from home, it’s important to protect the physical location of your business, and its contents.

Commercial Property insurance covers buildings, office furniture and fixtures, computers and electronics, and pretty much any property kept at the business site, depending on your needs.

It can protect against damages that can result from theft, fire, smoke, vandalism, water, and more.

Commercial General Liability Insurance

Commercial general liability insurance protects the people involved in your business: yourself, your employees, your customers, and your suppliers, and anyone else who may have contact with your operation.

Commercial liability insurance covers bodily injury, property damage, medical payments, employee benefit program liability, and more.

Commercial Auto Insurance

Commercial auto insurance protects the vehicles associated with your business, whether they’re owned by the business, you by you personally.

Business Interruption Insurance

If the daily flow of your business is interrupted as a result of a loss (for instance, the injury of an employee, or a theft, fire or flood), business interruption insurance will cover your net lost income during the time it takes you to get your business up and running again.

Other Options

Depending on your industry, we also offer a broad range of very specific options, so that you’re covered in exactly the way you need to be. We offer specific coverage plans for:

  • Services
  • Retail
  • Contractors
  • Food & Drink
  • Real Estate & Property Management
  • Healthcare Services
  • Oil & Gas
  • Manufacturing
  • Environmental
  • Directors & Officers
  • And much more!

It’s our job to help you protect your business exactly the way it needs protecting. To get started with your comprehensive commercial insurance plan, get in touch with Youngs Georgetown today!

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