Commercial Insurance
What better way is there to protect your business and its assets than purchasing commercial insurance? We offer commercial insurance to most businesses here in Ohio at JPL Insurance Agency Inc. We can help you choose a policy based on the needs of your business. We offer various plans ranging from general liability to business owner's policy.
Commercial Insurance Requirements
Every business with employees in the State of Ohio is required to have workers' compensation insurance. This is a policy that covers work-related injuries and illnesses.
Commercial auto insurance is also required for all commercial-owned vehicles. The following policy limits must be added at the minimum:
- Bodily injury coverage for $25,000 for each person
- Bodily injury coverage for $50,000 for each accident
- Property damage coverage for $25,000
Commercial Insurance Coverage
Here is what commercial insurance covers:
- General liability - This is important for all businesses to obtain. It covers customer bodily injuries, damage to customer property, and more. Your commercial lease may even require you to obtain it.
- Business owner's policy - This is a combination of liability, building, and business personal property coverage in one policy.
- Professional liability - This coverage is also known as errors and omissions. It protects businesses that provide professional advice and services. It is for professional negligence lawsuits, work mistakes, and more.
- Cyber liability - This protects your business against data breaches and cyberattacks. If your business handles sensitive data, it is highly recommended that you obtain it.
- Property coverage - This protects your business's physical structure, including inventory, equipment, contents, and furniture for weather damage, theft, vandalism, and fire.
Quotes
If you are interested in receiving a quote for commercial insurance, contact JPL Insurance Agency Inc today. We serve businesses in the State of Ohio.
