Commercial insurance is a type of property and casualty (P&C) insurance that protects businesses from risks such as fire, theft, and employees who injure themselves on the job. It also provides coverage for business liability in case customers or other third parties sustain injury at your place of business. As the owner of a small company, you're counting on these protections to help your business continue operations after an unexpected incident occurs. Whether you operate out of your home or have rented office space downtown, commercial insurance can provide peace-of-mind by keeping your company protected against what could otherwise be devastating losses.
For more than 20 years, we've been helping businesses in South Carolina and Georgia protect what matters most to them. Complete Insurance Solutions is dedicated to making sure you have what you need to protect your business and its future.
So, if you're looking for an outstanding selection of flexible policies tailored to your needs and budget, we have exactly what you need. Please give us a call today to speak with one of our friendly agents who are dedicated to making sure that all your questions are answered and that all your concerns are addressed.
What Is Commercial Insurance?
Commercial insurance protects you against financial loss if your business property or products should sustain damage due to fire, theft, weather, vandalism, or other covered events. This coverage also protects you against liability for accidents that happen on your business premises and injuries suffered by employees while on company business. Most commercial policies cover office equipment, stock or merchandise in storage or in transit, computers, signs—and even employee dishonesty. Your commercial insurance at Complete Insurance Solutions can help protect you when it matters most. From specialized policies to customized plans, we have commercial insurance solutions designed specifically for businesses large and small.
Why Choose Us for Your Commercial Insurance Needs
To give you a better understanding of our different commercial insurance policies available, here are just some brief explanations of their biggest benefits. Please keep in mind that each business’s situation is unique, so no one-size-fits-all solution exists for every industry.
1. Commercial General Liability Insurance (CGL)
CGL, or commercial general liability insurance, protects your business from financial loss due to injuries and damage caused by someone else's actions. This type of insurance covers any legal liability you might have if someone is injured on your property or damages one of your assets. It also covers legal expenses incurred because of someone else's actions. At first glance, this may not seem like a critical part of your business's insurance policy. After all, aren't most businesses covered by workers' compensation insurance, which protects them from liability claims? Workers' compensation insurance is great, but it doesn't cover intentional acts or negligence. That's why it's important to have a separate policy for general liability. From bodily injury and property damage to medical expenses and more, general liability insurance covers it all.
2. Commercial Property Insurance
Commercial property insurance covers loss or damage to your business's property as a result of an accident, such as fire, theft, vandalism, or natural disasters like windstorms or flooding. One of the best things about commercial property insurance is that it covers almost any type of asset you own—whether they're inside your business building or out on location (for example, signs and equipment). Another great benefit of our commercial property insurance is that we can help cover cost-saving features like blanket policy discounts for businesses with multiple locations.
3. Workers’ Compensation
Businesses, due to the inherent risks of how they operate and the hazards they face, may be faced with the need to carry workers' compensation insurance. Workers’ compensation insurance is a form of insurance that protects businesses from financial liability if an employee is injured on the business's property or while performing work for the business. In other words, workers' compensation insurance is a way for businesses to protect themselves from liability claims from their employees. In addition, it also covers any financial losses that may arise from the injury or death of an employee. While workers’ compensation insurance is a crucial part of any business's insurance policy, it is often a challenging one to understand and implement. It's important to work with an insurance agent who is familiar with workers' compensation insurance and can help you create a policy that fits your needs. At Complete Insurance Solutions, we have been helping businesses in South Carolina and Georgia protect themselves from liability claims for more than 20 years. Our team of agents are highly experienced in workers' compensation insurance and are ready to help you get the right coverage at the right price.
4. Commercial Auto Insurance
As a business owner, you have a lot of responsibilities, one of which is making sure your vehicles are properly insured for commercial uses. After all, if an employee has an accident in one of your company vehicles or causes an accident that injures someone else or damages their property, then it could be costly for your business to cover those damages. To keep yourself protected from such liability claims—and ensure that everyone on the road stays safe—it's important to carry auto insurance on any vehicle used for business purposes.
5. Business Owner Package (BOP)
A BOP policy offers a unique combination of insurance that covers business owners for many risks, including commercial property, general liability, workers’ compensation, auto insurance, home business-coverage, life insurance, and health insurance. This makes it one of our most popular products because it can cover your personal assets while you own a small business to protect you from potential liability or theft loss. One of our agents will be able to help you determine whether a BOP policy is right for your company's specific needs.
Contact Us Today
Being a concerned business owner means you want to make sure your insurance policies are giving you maximum protection. At Complete Insurance Solutions, we want to help you do just that. Contact us to speak to one of our experts and see how they can help you tailor an insurance policy that fits your business needs. For more information about any of our products or services, call 843-310-8886 today!
