Welcome to Business Insurance USA, your premier source for all of your small business commercial insurance needs. Business Insurance USA is a full service insurance agency that specializes in bringing you the appropriate levels of commercial insurance coverage for your particular small business needs. We offer the full spectrum of business insurance products and services that help meet your budget
from the start up phase through expansion and growth. As a professional business owner, your clients, employees and business operations are an important part of your day-to-day business operations, and we're here to help protect all of your investments and assets economically and effectively. There are a wide variety of commercial business insurance options that can be customized to fit your specific business environment. Some of the most common and most important insurance options for small business are summarized below. General Liability
General liability insurance for commercial business operations is a default standard that is often required before you can rent your office or business space. The owner of the property you rent for business purposes requires your small business have general liability insurance in the event that something happens to the property while you're conducting business there. General liability business insurance helps protect your commercial enterprise from a wide variety of potential problems. Coverage helps protect your assets if the office catches on fire for example, and it protects you from product, advertising, employee or general liabilities as well. If an employee makes a mistake on a customer's tax return in an accounting office for example, or a customer has an allergic reaction to beauty products used in a beauty salon, these accidents and incidents are covered by general liability commercial insurance policies. General liability business insurance is more of a blanket, generic coverage that you need in addition to specific types of commercial insurance to ensure your office and place of business is covered in the event that something unforeseen happens. If you lease your office space, your landlord may only require a basic amount of general liability coverage to ensure his property is protected if your business activities cause damage. The minimum amount of coverage required by your lease may not be enough however, to fully cover you if a customer or employee has an accident, or you lose equipment from a power surge in a storm. General liability business insurance is critical to the long-term success of all small businesses. Business Owners
A business owners insurance policy helps you choose options and flexibility that are tailored specifically to your business needs. Business owners insurance covers you in the event that you lose income from disasters and other events out of your control. Business owners insurance can be customized to cover property expenses directly related to your business type for example, plus it protects you from dishonest employees, theft, damage or destruction to property, injury to employees or customers, and loss of data or documentation. Small retail outlets suffer from loss due to shoplifting for example, while an independant beauty salon owner may suffer income loss due to a local flooding event or major construction project that blocks access to the business. Sometimes employees make mistakes or commit outright acts of fraud and you as the business owner are responsible for those actions if they arise in your company. Business owners insurance helps protect you and your company from these types of problems in addition to many others. Since each small business is unique in how it operates, the number of employees it has and the type of equipment it uses, business owners insurance generally needs to be custom tailored to your specific business type. If your business is small to medium in size and generates $10 million annually in revenue, you may find that a business owners insurance policy is exactly what you need to keep your business operating safely and smoothly. Call or visit one of our small business commercial insurance agents to discuss the particulars of your business operation so that we can customize this coverage to meet your exact needs. Workers Comp
Workers compensation insurance is a critical form of insurance for all small businesses to have when they have employees. A workers comp policy helps protect you as the business owner, and your employees or contractors that work on the premise of your business. This coverage helps when someone is injured in your workplace, or when someone becomes ill from a substance or disease in your workplace. Workers comp is required by law for small businesses to help protect both the business owner and the employees who work for them. Before the workers compensation system was put into law in the United States, if an employee was injured or became ill from his place of work or duties he was required to perform on the job, the only way he could get his employer to pay for medical care or loss of income was by sueing the employer in court. This process was time consuming and cost both the employer and employee much more in both monetary and lost production expenses. Workers comp is designed to prevent lawsuits and loss of income on both the employer's end and the employee's. This commercial insurance coverage protects the small business owner from liabilities that arise if an employee is injured or made ill, and it helps cover the employee's medical expenses and lost wages. By carrying the appropriate level of workers compensation insurance for your business, you as the small business owner can ensure your company is protected from expensive lawsuits if something happens to an employee as a direct result of working for you. Professional Liability
Professional liability insurance coverage is designed to help protect you and your employees from mistakes. As people, we're all bound to make a mistake at some point or another. Making a mistake in a business environment can be catastrophic to the company however, particularly if the mistake involves injury or damage to a customer or client. In an accounting office for example, employees must handle sensitive financial data for their clients. If an employee accidentally enters the wrong number of the wrong line, or simply forgets a decimal point on a critical form such as a tax return, that small mistake can cost your company hundreds of thousands of dollars. All busineseses have the potential of either the owner or an employee making a seemingly minor mistake. In a beauty salon for example, a customer may end up with unwanted pink highlights in her hair because one of the beauticians made a minor mis-calculation with the appropriate amount of chemicals. In an auto repair shop, and employee may put too much strength behind the wrench when tightening a bolt, or forget to fully secure the oil filter on a customer's car. All of these are examples of how important professional liability insurance coverage can be for small, medium or large businesses. Even if your business does not have employees, you need this coverage from the start to help protect you personally, and your professional business assets, from mistakes you may make when dealing directly with your customers or their property. Business Auto
Business auto insurance coverage helps protect your company from liabilities that may arise due to the use of vehicles in your day-to-day business operations. Whether your employees use their personal vehicles or you lease autos specifically for your employees to use while conducting business activities, your company can be held liable if auto accidents occur. Commercial auto insurance is a critical type of coverage that all business owners should carry regardless of how often you or your employees use automobiles in the line of your business. From infrequent trips to make sales calls to daily florist deliveries, commercial auto insurance coverage helps keep your company protected from the day-to-day hazards that driving brings. Having business auto insurance coverage helps protect you from liability if an employee is in a collision for example, but like personal auto insurance it also provides your business with protection for a number of other auto related incidents. If your company delivery truck is struck by an uninsured motorist for exmaple, or a passenger vehicle that your sales representative is driving breaks down, commercial auto insurance is there to ensure you're protected. This coverage helps limit your liability, reduce your expenses for repairs or replacement, and cover medical bills in the case of accident injury. Business auto insurance helps protect your business from loss of sight, dismemberment and death for yourself and your employees while you're driving for company purposes, and it covers everyday needs such as car rental and travel expenses that might arise when a company vehicle breaks down.
