At Client First Insurance Solutions in Americus, GA, we place our clients first and foremost in our business, as our name implies. We offer more than 25 types of commercial insurance, but most companies need to start with one or two of the most common types. This article explores those insurance policies that nearly every local business needs.

Business Owners’ Policies

Most businesses begin their coverage with a business owners’ policy (BOP), a bundled policy that includes four types of coverage for a lower premium than buying them separately. A BOP includes liability, business interruption, perils, and structural coverage for the business building.

Commercial Automobile Coverage

BOPs form a foundation for the business to add other coverage to when needed. Many companies add commercial automobile coverage to their business insurance when they buy a vehicle for their business. Commercial auto protects the drivers of the company’s vehicles from lawsuits and the company itself if someone driving the company vehicle causes an accident.

Retail stores typically carry inventory insurance. This coverage reimburses them for damaged or lost inventory from a peril named in the policy. These perils range from theft to fire.

Boiler Insurance

The name implies that the company’s building must have a boiler, but that isn’t the case. This type of coverage reimburses or pays for the repair or replacement of the boiler, furnace, or HVAC in a building. In some cases, it also covers other building maintenance equipment.

Update Your Commercial Policy

Contact Client First Insurance Solutions, serving Americus, GA, to review your commercial insurance policy. Let us help you properly insure your business against financial loss.