Commercial Insurance
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Why Choose Grojean
We’ve been in the commercial insurance business for 76 years. Our insurance agents have the experience you’ve been looking for and are committed to helping you find the coverage you need, while helping you avoid buying coverage you don’t. We take pride in working with you to determine the type of insurance coverage that’s right for you and your business.
Frequently Asked Questions
What is commercial insurance?
Commercial insurance, also known as business insurance, is a type of insurance coverage designed to protect businesses from financial losses and liabilities resulting from various risks and events.
What does commercial insurance typically cover?
Commercial insurance policies can include several types of coverage, such as general liability (for injuries and property damage to third parties), commercial property (for physical assets like buildings and equipment), business interruption (for lost income due to covered events), workers’ compensation (for employee injuries), and professional liability (for errors and omissions).
Why do businesses need commercial insurance?
Commercial insurance is essential to safeguard businesses against unexpected events that could lead to financial ruin. It provides financial protection, helps with legal expenses, and ensures the business can recover from setbacks.
Is commercial insurance required by law?
The requirements for commercial insurance vary based on the location, industry, and size of the business. Some types of coverage, like workers’ compensation, are legally required in many jurisdictions.
Are home-based businesses covered under homeowners' insurance?
Home-based businesses often require separate commercial insurance. While homeowners’ insurance may provide some limited coverage for home-based businesses, it’s typically not sufficient to cover all business-related risks.
Can I modify my commercial insurance policy as my business grows?
Yes, commercial insurance policies can be customized and adjusted as your business evolves. You can increase coverage limits, add additional endorsements, or change policy features to meet your changing needs.
Other Insurances
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