Business Insurance in Kennesaw, GA
Business insurance, also known as commercial insurance, is designed to help your company manage financial setbacks due to accidents, property damage, lawsuits and other risks. Every business faces different perils, which is why it’s essential to determine the right coverage options tailored to your specific needs.
What Does Business Insurance Cover? 
Business insurance policies may be customized to include several types of coverage, including the following:
- General liability insurance may cover property damage caused by your business operations. It may also help with third-party medical bills and related expenses if someone is injured either at your workplace or because of your work.
- Commercial property insurance may offer financial support if your company’s building, equipment, inventory and other physical assets are affected by fire, theft and other covered events.
- Workers’ compensation insurance may help pay for medical expenses and lost wages if an employee is injured on the job.
- Professional liability insurance, also known as errors and omissions insurance, may step in if claims of negligence or mistakes in professional services arise.
- Commercial auto insurance may cover vehicles used for business purposes.
Why Georgia Businesses Need Coverage
Georgia law may require certain types of coverage, including workers’ compensation and commercial auto insurance. Even if it’s not required, having the right business insurance can help your company financially recover from unexpected events, maintain operations and build trust with customers.
Factors Affecting Premiums
Insurers typically consider the following when determining business insurance rates:
- Type and size of the business
- Potential risks and exposures
- Value of business assets
- Budget and coverage limits
- Claims history
Your agent can help you shop for the best combination of price and coverage.
Where to Get Business Insurance
Our agents at D. Ward Insurance Services can help you evaluate your options and find the right coverage for your business. Contact us today to learn more.