Commercial Insurance Agent in Las Vegas, NV – Valley Insurance Group
Whether you’re shopping for commercial auto insurance, commercial building insurance or other types of commercial insurance in Las Vegas, let Valley Insurance Group help. Our licensed insurance agents will help you find the right policy for your specific needs in Nevada.
As a business owner, you strive to make decisions that are right for your business, your employees and yourself. This includes decisions about business insurance. You know you need excellent coverage. You don’t, however, have time to become an expert in business insurance. That’s where Valley Insurance Group can help.
A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs.
Perhaps you need general liability coverage that includes operations. Or, you need to add business auto coverage or commercial property insurance. Whether you are a home-based business, small service provider or contractor, Valley Insurance Group will work with you to find the right combination of business insurance coverage to meet your specific needs.
Types of Commercial Insurance
Insurance coverage is available for nearly every conceivable risk you might encounter at your business. Like the risk, the cost and amount of coverage of policies can vary among insurers just as much. Which is why you called an independent insurance agent, Valley Insurance Group! We can shop multiple companies to save you time and money. You should discuss your specific business risks and the types of insurance available with one of our licensed insurance agents. Our agents can advise you on the exact types of insurance you should consider purchasing.
General Liability Insurance
Business owners can and should purchase general liability insurance through and independent insurance agency to cover legal hassles due to accident, injuries and claims of negligence. These types of insurance policies protect against payment due to the injured party as a result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure. Ask an agent at Valley Insurance Group about these coverages.
Product Liability Insurance
Companies that manufacture their own products, handle wholesale, distribution, or a retail product may be liable for its safety, which is why it is important to protect your company with a product liability insurance policy. This policy protects your business against financial loss as a result of a defect product that causes injury or bodily harm to a consumer. The amount of insurance you should purchase depends on the products you sell or manufacture. A t-shirt shop would have far less risk than a large manufacturer of household appliances. Call a licensed agent at Valley Insurance Group to discuss your options.
Professional Liability Insurance
Business owners who provide services to others should consider having professional liability insurance (also known as errors and omissions insurance). This type of liability insurance will cover your business against malpractice, errors, and negligence related to the service you provide to your customers of services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. A web designers liability may be minimal, while a doctor or physical therapy clinic has a higher risk associated with their business.
Home-Based Business Insurance
Contrary to what many think, homeowners’ insurance policies do not generally cover home-based business losses or risks associated with running an at-home business. Some insurance carriers do allow you to add an endorsement to your existing homeowners’ policy to cover normal business risks such as property damage. However, homeowners’ policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.
For more information, consider visiting www.sba.gov and search for “insurance.”